vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: MN

Complaint narrative:
XXXX XXXX XXXX are typically creditors, lenders, utilities, debt collection agencies and the courts ( i.e. public records ) that a consumer has had a relationship or experience with. Data furnishers report their payment experience with the consumer to the credit bureaus. The data provided by the furnishers as well as collected by the bureaus are then aggregated into the credit bureau 's data repository or files. The resulting information is made available on request to customers of the credit bureau for the purposes of credit risk assessment, credit scoring or for other purposes such as employment consideration or leasing an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
While I was attempting to do a refi on my mortgage, I was told by my mortgage company that i had a default payment on a student loan from XXXX. I have never taken any courses at XXXX. This is the information I received ( Dept of ED- GUARANTEED, Case # XXXX, Authorization # XXXX. ) I have no Idea why this was on 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 non-monetary relief
Consumer complaint received 2022-01-13 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Services has pulled my credit without my written or verbal consent I do not have any active account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I have never done business with these company and they are saying this is medical debit. I have never done business with these company and through HIPAA laws no one can sell any of my medical debit under this law. This can not be my debt due to the fact that I have not done business with this company. I have not contacted this company due to this is not my debt and I have never done business with them. I do not want to speak with them and have them take my information and use that information against me. I will not speak with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Berman & Rabin, P.A.
State: MS

Complaint narrative:
Agreed on a settlement. Once completed instead of updating my account or removing the debt they brought it current and insist that I still owe them funds when I do not. I have reported it to the credit beaus and the company itself along with sending my full payment receipts and they all have denied it. I go to look up the debt on the website and it now says my account isn't even found.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am XXXX XXXX, I have been reporting an Inaccurate account and unauthorized inquiries on my credit report. It has been 60 days yet I haven't seen any changes. I am disappointed of how you guys investigate my credit report as I requested last two months. How could I explain to you that these negative items reflecting in my credit report is affecting me and also the financial stability of my family. Numerous products are getting higher demand in the market and getting expensive. And due to this pandemic, several things have been added to my family 's necessities.

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 2022-01-13 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am XXXX XXXX, I have been reporting an Inaccurate account and unauthorized inquiries on my credit report. It has been 60 days yet I haven't seen any changes. I am disappointed of how you guys investigate my credit report as I requested last two months. How could I explain to you that these negative items reflecting in my credit report is affecting me and also the financial stability of my family. Numerous products are getting higher demand in the market and getting expensive. And due to this pandemic, several things have been added to my family 's necessities.

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 2022-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
on XX/XX/2021 I request in writing a certified mail Domestic return receipt validations of debt letter not a request for verification or proof of my mailing address, but a request for validation made pursuant of the above name title and section respectfully request your office National Credit Adjusters to provide me with competent evidence such as original contract interest rate disclosure payment history something that I have any legal obligation to pay you National Credit Adjusters if your office fails to respond to this validation request within 30days from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report /credit file and a copy of such deletion request shall be sent to me immediately. National Credit Adjusters did not remove nor sent me a copy of such deletion should've been sent to me immediately associated with the above-mentioned have grossly violated section 809 & 15 USC 1692g of the FDCPA This account hasn't been Validation my Name is also spelled wrong look at my consumer file it stayed I made payment I didn't this account was a charge off never received 1099C NOTHING they did not respond within the 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DC

Complaint narrative:
I was approved for a loan modification ( Account XXXX ) due to COVID 19 on XX/XX/XXXX with XXXX. My loan was purchased by Carrington Mortage on XX/XX/XXXX and transferred on XX/XX/XXXX. When the account was transferred I noticed the mortgage account was in collections and then place into a forbearance. On XX/XX/XXXX I called spoke to XXXX whole told me to fax my loan modification documents to XXXX and the modification would be honored. I did this. My first payment was due on XX/XX/XXXX. I called XX/XX/XXXX again and spoke to XXXX who told me although the account was locked I could call XXXX to make a payment and my payment would be applied to the modification. I called in XX/XX/XXXX to make the payment for XX/XX/XXXX, I was informed by the rep the payment was for the new modification. She stated I could make a payment online and my payment would be reapplied once my account was updated. I made the payment on XX/XX/XXXX. I called on XXXX, XXXX, and XX/XX/XXXX asking about the account, my loan modification, and my payment. All reps stated nothing to worry about. Today I received an e-mail from XXXX stating I needed to make another payment in XXXX of XXXX in order for the modification to be finalized in the system. I have also received 5 collection notices threatening to take my property, which is improper if I am currently in a modification or even Covid 19 forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$1800.00}, XXXX XXXX XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$13000.00}. Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13 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: TX

Complaint narrative:
IN ACCURATE INFORMATION ON CREDIT REPORT. DOES NOT BELONG TO ME. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$43000.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I called Bank of America on XX/XX/2021 to open two claims - an OLB claim and a check claim. After multiple calls to Bank of America I came to realize they never opened my check claim. I've tried to resolve with their claims department multiple times and have spent hours on the phone with reps who have no idea about process or regulations. Their reconsideration process is questionable- there is only one person who reviews these which does not seem right as a second set of eyes might catch something the other didn't. My main issue is that I requested to open two claims on XX/XX/2021 and only 1 was opened. My check claim was eventually opened on XX/XX/2021 - 7 weeks after my request. This is a clear reg violation as my claim was not opened on the date I requested.

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 2022-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA)
State: NC

Complaint narrative:
Receivable Management Group has put a Medical Collection on my credit report which is a HIPA violation. I have never signed a release for this creditor ( Receivable Management Group ) or any creditor. 
Therefore this is inaccurate HIPA violations and I want these removed immediately. HIPA laws protect my personal information without my consent and Receivable Management Group have been aware of these HIPA violations and has been asked to delete 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 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-01-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: TX

Complaint narrative:
I have never done business with these company and they are saying this is medical debit. I have never done business with these company and through XXXX laws no one can sell any of my medical debit under this law. This can not be my debt due to the fact that I have not done business with this company. I have not contacted this company due to this is not my debt and I have never done business with them. I do not want to speak with them and have them take my information and use that information against me. I will not speak with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent out a letter asking for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute and for them To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), they are required to forward all of the relevant information they have received from creditor for their investigation of my dispute. i have not received it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: OH

Complaint narrative:
I sent out a letter asking for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute and for them To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), they are required to forward all of the relevant information they have received from creditor for their investigation of my dispute. i have not received it

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 2022-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: KS

Complaint narrative:
Date of ambulance service with XXXX XXXX XXXX : XX/XX/21 Date of first and only bill from XXXX XXXX XXXX XX/XX/21 Insurance submitted XX/XX/21 via USPS from original bill No correspondence from XXXX XXXX XXXX or insurance Received telephone call XX/XX/21 from Wakefield and Associates notifying of debt ; asked representative XXXX to mail notification of debt to home address Received debt notification from Wakefield and Associates XX/XX/21 Interest already accrued as of the date of the letter, no information on how often interest accrues No notification from XXXX XXXX XXXX or Wakefield and Associates on how to dispute debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your 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 non-monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp
State: CA

Complaint narrative:
Lending Club is still reporting a balance owed when I paid off the balance completely in XXXX 2021. Please see attached as proof. Please update the balance to zero immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Charge Off XXXXXXXX XXXX XXXX XXXX {$1800.00} XXXX  XXXX XXXX {$510.00} XXXX & XXXX XXXX {$8700.00} Collection XXXX XXXX XXXX XXXX {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
Within the last 48 hours, my husband submitted a complaint to CFPB for an alleged debt that was never reported to him and he received a call from the collection agency on our landline, and now I received a call today on my cellphone from Optimum Outcomes Inc. from their main number XXXX that I did not answer at XXXX XXXX. Of course, no message was left and there has been absolutely no written notice of any debt from any provider, let alone any billing, for years at this point. Continuing to call a party with absolutely no proof of any debt or even giving an opportunity to dispute a debt is simple harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I have never done business with these company and they are saying this is medical debit. I have never done business with these company and through HIPAA laws no one can sell any of my medical debit under this law. This can not be my debt due to the fact that I have not done business with this company. I have not contacted this company due to this is not my debt and I have never done business with them. I do not want to speak with them and have them take my information and use that information against me. I will not speak with them.

Company response to consumer: Closed with explanation