vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
i am being charged XXXX on my mortgage. my loan to value is better than 80 %. i will make my payment less the XXXX please have someone call me to reconcile this issue. i called and talked to a rep and they forwarded me to another department who was supposed to call me back and never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I applied for a job which pays via credit card and my information was stolen and is now being used in other area for credit use. 

The job was listed on XXXX for mystery shopping for consumer research as it was listed.

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 2022-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX  XXXX Balance {$2900.00} XXXX XXXXXXXX XXXX XXXX Balance - XXXX XXXX Inquiry Date XXXX XXXX, 2020 XXXX Inquiry Date XX/XX/2020 XXXX XXXX Inquiry Date XXXX XXXX, 2020 XXXX XXXX Inquiry Date XX/XX/2020 2020

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 2022-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
In XX/XX/XXXX i accepted an offer from Discover to consolidate my debt with them. 
I explain that the amount of {$1200.00} needed to be send to XXXX XXXX XXXX  ( and provided the account number ending in XXXX ( the payment instead was mail via check to XXXX XXXX XXXX XXXX and it was deposited to a different account number XXXX XXXX XXXX 
XXXX  XXXX was nice enough to send me a letter dated in XX/XX/2021 they are not affiliated to XXXX XXXX and that the address that reflects the payment address it's for XXXX  XXXX. 

I've been trying to reach a resolution with Discover since XXXX and all i get is the run around and this balance it's still showing on my Discover Personal Loan. 
I need them to remove this charge soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I am filing this complaint because Medical Data Systems is in non-compliance of the FCRA and FDCPAI was given no time notice from Medical Data Systems or the credit bureaus before placing the inaccurate, unvalidated information in my credit Report. Documentation sent as validation is a violation of the HIPPA Law. On XX/XX/XXXX I reviewed my credit report and found Medical Data Systems. XX/XX/XXXX I mailed 2 letters certified due the reporting contact info 2 different address on XXXX and XXXX and at that time they were not reporting on XXXX. On XX/XX/XXXX letter sent to XXXX and XXXX to Validate debt, No Response as of XX/XX/XXXX. I recd a letter dated XX/XX/XXXX from Medical Revenue Service with documentation and nothing on the cover letter that they are one and the same as Medical Data Systems, their mail address is po box and their name is not on credit report. a copy of a statement sent to an address that is not mine. breakdown of charges along with type of treatment and procedure codes and a copy of privacy practices. On XX/XX/XXXX I mailed a letter to Medical Revenue Services requesting any agreement from their client that granted them the authority to collect on this debt, or proof of acquisition or purchase or assignment, I needed to know why they have information this sensitive. No Response.XXXX  sent a letter notifying them they were in non-compliance FCRA Time of Notice. Again, asked for copy agreement and a copy of any HIPPA Authorization, XX/XX/XXXX sent letter to XXXX XXXX XXXX informing them furnishing my information to Medical Data Systems DBA Medical Revenue Service is not in compliance with HIPPA. No Response. I am also enclosing letters sent as of today to the credit bureau regarding the inaccurate reporting on and unvalidated account along with screen shot of this account from my XXXX monitoring highlighting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
This company furnished my credit report without my consent. XXXX sent me a letter saying they deleted the item off my credit report but it still negatively shows on my credit report. Here is what they, XXXX sent me in the mail but STILL havent updated my XXXX  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 2022-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXXXXXX XXXX XXXX  XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 explanation
Consumer complaint received 2022-02-22 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: NC

Complaint narrative:
I sent letters to Equifax, XXXX XXXX  XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 43 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: MI

Complaint narrative:
I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXX  XXXX XXXX Balance {$2900.00} Unknown XXXX Balance {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: AZ

Complaint narrative:
To whom it may concern, I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character and has hindered me in my job search as well as applying for credit. I unfortunately can not even get a SBA loan. 

I have written to the company twice. Once on XXXX and again on XXXX without any action or notification of acknowledgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: MI

Complaint narrative:
I previously sent my written request to Experian about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Experian get back to me with regards to the issue. Here are the items that concern me : XXXX  XXXX XXXX Balance {$2900.00} XXXX  XXXX XXXX XXXX Balance {$890.00} XX/XX/XXXX XXXX  XXXX  XXXX XXXX Balance - XX/XX/XXXX XXXX  XXXX  XXXX XXXX Balance - XX/XX/XXXX 2013

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 2022-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following Collections listed below were placed on my credit report without any written communication or documentation proving that I owe the debt described, I have requested that these collections produce the necessary documents to me. Otherwise Delete them from my Credit Report Immediately. 
XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) NCA - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) CCI - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX XXXX  - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX, XXXX AND XXXX- This Debt Buyer isn't even Active nor does it hold the note to collect anymore and must be Deleted from my Credit Report Immediately. 
SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC )

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 2022-02-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
First of all, none of the question I selected before explains what Im experiencing. I will need to go into details for you, it's lengthy. This is to the Pre-paid XXXXXXXX XXXX  card. 
I was a victim of theft in XX/XX/XXXX, my card was frozen without any communication from the institution. After trying to use my card the weekend of XX/XX/XXXX, B of A froze my account so, I proceeded to a B of A branch. That weekend was my first time accessing my prepaid on line account. Upon doing that I was able to see charges in XX/XX/XXXX which I didn't make. Keep in mind, I have in my possession the same card from XXXX so when XXXX reloaded funds, the thief who had my information, cleared out my account of remaining funds. I filed 2 claims, the first one was {$190.00} second one was {$1300.00}. the claim for {$190.00} was paid with no problem however the second one wasn't. I called and asked them why. Some excuse was given and it was suggested by B of A representative to file a police report. Which I completed before the call and was currently waiting on a copy to present to the business. I received all faxing and mailing information for B of A. Since XX/XX/XXXX I have faxed copies of the police report 12 different times!!!!! I EVEN FAXED FROM A B of A BRANCH. I have called everyday for a month, and there is still no signs of any of my faxes as of today. On the XX/XX/XXXX I mailed it using 2-Day service to the claims department in AZ, still they do not see any of my forms. XXXX, XXXX XXXX XXXX, XXXX XXXX. I've asked for a phone number or an email to anyone in the Claims Department and none of the 17 representatives I spoke with could get me any farther than a fax # or address. This is XXXX believable, don't you think so? I feel the corruption is coming from within. Why this issues can't be resolved as quickly as the 1st claim?

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 2022-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
We bought our house XXXX our first payment on XX/XX/XXXX ( mortgage loan XXXX ) XXXX. The ( XXXX mortgage XXXX ) mortgage maturity date is XX/XX/XXXX as stated per the contract. We've been paying the XXXX mortgage month. To select portfolio services as they Has been sending us payment statements every month and we continue to pay the XXXX mortgage up until now. We sent select portfolio services letters stating that we've overpaid our XXXX mortgage. And the mortgage loan contract we had signed on XX/XX/XXXX. Had specific amounts and maturity date XX/XX/XXXX. Now here its XX/XX/XXXX. We've Paid nearly hundreds, thousands more than the contract stated. Also select portfolio services has manipulate the main mortgage XXXX balance XXXX of accurate mortgage principal and interest. and started sending unverified amount of mortgage balance adding instabilities and inaccurate information to the credit reporting agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On XX/XX/2022, I contacted my service, Specialized Loan Servicing, to discuss options, multiple times. One time, I called and once on the line with the representative, she hung up. I also called once and was told that my loan was not in the system yet and that she would transfer me to the right department, then transferred me to a dead line. I was speaking with a representative shortly who also told me that my account may not qualify for deferral of payments after forbearance and that I may have to make all missed payments at once or would be subject to foreclosure.

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 2022-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc.
State: MD

Complaint narrative:
I have been trying to clean up my credit and pay off my debts. I closed my bank account and have been paying my debts with cash or XXXX XXXX, etc. I attempted to pay off my {$270.00} XXXX from MoneyLion. I can not because my bank account is closed. When my Mom attempted to pay it off, she was unsuccessful because my bank account was closed. We started calling MoneyLion on XX/XX/XXXX and was promised a call back from a Supervisor on XX/XX/XXXX and XX/XX/XXXX, ( I spoke to XXXX at XXXX ). I was told that my Mom could use XXXX, XXXX XXXX or transfer money to my XXXX XXXX ' via her online banking. None of these methods work because my MoneyLion account is not a checking account. I don't know what else to do. No one has information on how to pay this off. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: OK

Complaint narrative:
I received a notice on my Credit Report that I had a Collections. I disputed it and found out it was about a XXXX  debit. I never received a bill or anything saying I owed them. I filed a dispute with the Credit Reporting Agencies and the XXXX, back in XXXX. I got a response from XXXX on the XXXX  dispute. I responded telling them I was never informed about a bill and if they would send me a bill I would pay it. No response back. I received a letter last week from the Collections Agency asking me to pay the collections, this is the first notice I have received about the Bill/Collections. 
I don't know what to do to fix this. My credit has been damaged. I should have received a bill to pay not a collections. I have tried to find Legal help, no one responds or they don't have time. 
Can ANYONE advise or help?????????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation