vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
When I first found out about the debt, I call the hospital and told them that I did present my medical insurance to the person taking the information along with my id. I was told that the wrong code was used and that they will try again to submit payment. I did not hear anything back until I saw it on my credit. I call the collector and was told that I was responsible for the debt. I sent a copy of my medical insurance proving I have coverage. I am here today because I was directed to contact this agency for addition help.

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 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Dear CFPB Complaints, Firstly, I would like to thank Experian for responding to my previous complaint. 

However, I am still awaiting my credit report because it has *not* been sent as promised. 

In their last correspondence, they wrote to me : " We are in the process of adding your current address to your file. '' " Once your address is added to your file, a full report will be mailed to you. '' " We are in the process of sending your Experian report to you for review and confirmation by US Postal mail. Please allow up to 10 days for delivery. '' I was grateful to receive this positive response, however the report never arrived. 

To recap, I have requested my report several times : - XX/XX/2020 : Applied electronically, but was only able to receive my Transunion report - XX/XX/2020 : Applied by mail, but only received a generic unhelpful response - XX/XX/2020 : Applied by mail with more information, but received the same generic unhelpful response - XX/XX/2020 : Complained via CFPB and received confirmation that my report would be sent - XX/XX/2020 : Filed a second complaint with CFPB Also, it was mentioned in Experian 's response that my previous annual credit report requests were delayed due legibility concerns with an unspecified document. I dispute this since the documents were prepared professionally with due diligence. 

Lastly, I have tried to be professional and refrain from making any personal comments, but I feel great frustration and stress related to this process. I expect that we would all agree on the following tenet : " Treat others how you want to be treated. '' I ask whoever is reading this to please consider how frustrated I must be by this process.

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 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
The entire balance and debt I owed Bank of America was discharged under Chapter XXXX by the United States District Court-District of Minnesota on XX/XX/2020. Bank of America received a copy of my bankruptcy discharge notice. Bank of America is violating The Equal Credit Opportunity Act ( ECOA ) by discriminating against me, by not allowing me to open up a Bank of America checking account.

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 2020-11-13 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: PA

Complaint narrative:
I'M HAVING PROBLEMS WITH THE CREDIT BUREAUS PROCESSING MY DISPUTES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: PA

Complaint narrative:
I'M HAVING PROBLEMS WITH THE CREDIT BUREAUS PROCESSING MY DISPUTES.

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 2020-11-13 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: CA

Complaint narrative:
HAVING ISSUES WITH THE CREDIT BUREAUS PROCESSING MY 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 2020-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
This company has gotten more way more that the loan itself which is understandable but their collection tactics are not. They are calling my job, friends etc. I have asked them to stop and I will pay when I can. The loan itself is an illegal loan in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: CA

Complaint narrative:
HAVING ISSUES WITH THE CREDIT BUREAUS PROCESSING MY DISPUTE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: CA

Complaint narrative:
HAVING ISSUES WITH THE CREDIT BUREAUS PROCESSING MY 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 2020-11-13 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: CA

Complaint narrative:
I'M HAVING ISSUES GETTING MY DISPUTES SUBMITTED TO THE CREDIT BUREAUS

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 2020-11-13 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
On XX/XX/2020, LVNV FUNDING LLC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Good day, I was on forbearance and decided to pay back all the money that I owed for my mortgage from XXXX to XXXX after I secured a loan. Wells Fargo is refusing to update my information on my credit reports. They have received the payments of all those months but still my credit is not accurate. XXXX report is showing that there NO DATA AVAILABLE for the month of XXXX to XXXX. XXXX is showing NO PAYMENT MADE. XXXX is showing that I am under FORBEARANCE. I have paid XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and none of those payments has been used to update my credit report showing. Those months are still showing on my report that no payments were made. I have reach out to Wells Fargo and still calling them without any success. I said to them that if they want to keep the information on my credit, they should give me back the money and have the loan modified, or an extension of the loan, or a new interest rate. They can not keep the money paid for the months of forbearance as reinstatement in a lump sum and not update my credit report to reflect the payment. I talked to several agents and managers and they always promise to update the information since XXXX nothing is being done. 

Thanks in advance for you help in this matter.

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 2020-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
LoandDepot.com LLC withheld property taxes of {$13000.00} when closing my loans with them on XX/XX/2020. But I have paid in full my property taxes. After 30 days without refund from them, on XX/XX/2020, I started calling them numerous times to ask about the issue. It appears none of them know how to address the issue or is willing to solve the issue, only passing my call from one agent/office to another and back to the first one, or simply dropped my calls, and mails sent to them was not found as I was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: CA

Complaint narrative:
TRYING TO GET MY DISPUTES PROCESSED THROUGH THE CREDIT BUREAUS

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 2020-11-13 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: CA

Complaint narrative:
I'M HAVING ISSUES GETTING MY DISPUTES SUBMITTED TO THE CREDIT BUREAUS

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 2020-11-13 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: CA

Complaint narrative:
I'M HAVING ISSUES GETTING MY DISPUTES SUBMITTED TO THE CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have contacted Capital One on several occasions via letters XX/XX/XXXX & XX/XX/XXXX and - most recently calling on XX/XX/XXXX and XX/XX/XXXX regarding a late payment reporting differently at different credit bureaus. On my XXXX report I go from making on time payments one month, to immediately being 60 days late the next month ( XX/XX/XXXX ). You can not go from on time in XX/XX/XXXX to 60 days late in XX/XX/XXXX in a one month period. This one error of showing 60 days late has dropped my credit score by 100 points. On my XXXX report I go from making on time payments one month, to being 30 days late ( XX/XX/XXXX ). Both can not be correct. I can not be 60 days late on XX/XX/XXXX at XXXX and 30 days late at the same time on XX/XX/XXXX at XXXX and XXXX. The 60 days late alone at XXXX  has caused my score to drop tremendously. I would like these late entries deleted from all 3 credit bureaus and to report on time payment for the month of XX/XX/XXXX. I have been a happy customer at Capital One until this one issue. I have paid my balance to down to XXXX. I have a right to have Capital One report accurate information. I would like the late payment deleted all together from all 3 credit bureaus for the month of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I am a XXXX XXXX who received EIDL loan from SBA for approximately $ XXXX in XXXX of XXXX. At the time, I spoke with a representative from the SBA regarding this loan to assure everything was above board and they assured me there were no issues with independent contractors and XXXX XXXX who choose to file taxes under their social security number, which I often use in place of an EIN. I chose to have the funds deposited into my Capital One 360 checking account, aware of no issues with such a transaction. 

Fast forward to XX/XX/XXXX, when my checking account was frozen with no explanation given. After several days of trying to reach a specialist, on XX/XX/XXXX I was informed that Capital One has investigated my business and found me to be suspect of fraud and is choosing to terminate the relationship with me, seizing my account and planning to return the remaining balance to the SBA. 

I could not get an answer as to who initiated this investigation or why, but was not given the chance to provide proof of the legitimacy of my business. In fact, I was insulted and ( mis ) informed that I work " for '' companies who actually contract me to conduct business on my own accord.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express XXXX XXXX has written me regarding charges made on a American Express card ending in XXXX that I did not make. The American Express Credit Card was not in my possession. This information was given to them several times but they continue to call and do not identify themselves, Recently calls received on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX at which time I blocked their call but I have received a call today XX/XX/XXXX even after their number was blocked. These charges were made in XXXX I explained they were not made by me, this information they continue to ignore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2020, SYNCB/LOWE 'S XXXX add a hard inquiries on my credit report per XXXX. There was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is 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 2020-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was getting thousands of dollars from donations from people because my son and i video went viral. people was trying to request money from me on XXXX and cash app as a scam. i denied a few that came through on cash app. before i did i spoke with a person from cash app asking them would i be ok to cancel because my bank card was linked to my cash app i did not want anyone withdrawing money from my account like a friend told me happened to him. the agent told me that i would be fine. i received a text from a XXXX friend asking me why my cash app wasn't working.. i have a balance that i am trying to transfer to my back and cash app will not allow me. this money is donated to me and needs to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: CA

Complaint narrative:
TRYING TO GET MY DISPUTES PROCESSED THROUGH THE CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: CA

Complaint narrative:
TRYING TO GET MY DISPUTES PROCESSED THROUGH THE CREDIT BUREAUS

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 2020-11-13 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: CA

Complaint narrative:
I'M HAVING ISSUES WITH THE CREDIT BUREAUS PROCESSING MY 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 2020-11-13 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:
Sent disputes letters to credit bureaus about incorrect information and inquiries by mail and phone and they did not remove inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: CA

Complaint narrative:
I'M HAVING ISSUES WITH THE CREDIT BUREAUS PROCESSING MY DISPUTE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: CA

Complaint narrative:
I'M HAVING ISSUES WITH THE CREDIT BUREAUS PROCESSING MY 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 2020-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
Date : XXXX RE : Ongoing Service and Erroneous Accounting / Escrow Issue, Dovenmuehle Mortgageon Read below completely and carefully. 

To whom it may concern, SEE 6 ATTACHED FILES. GOVERN YOURSELF RESPONSIBLY. LEGAL ACTION WILL FOLLOW IF NOT CORRECTED IMMEDIATELY. There is no more patience on our end and no more room for further delay on your end. You must act ASAP.

Your customer service is terrible! I have tried three consecutive days to speak with a supervisor and get hung up on while trying to transfer. In addition to the terrible service, I would like to try and straighten my account out or I will be forced to move to another mortgage company. 

If you look at the record, I have had a mortgage for the last seven years and have always paid my loan on time.

About a year and a half ago, I looked at one of my statements where it contained a forced placed policy. This policy was erroneously placed on my account because we had existing coverage and never had a lapse in coverage. 
It took us many months and over five attempts to have the escrow department take off the forced place policy. ( see 6 file attachments ) Meanwhile, I continued to make my payment on time each month. 
Unfortunately, because of the forced placed policies my account looked like we were short in excess of {$9000.00}. For many months we struggled to get the insurance escrow department to take off the force placed policy and refund us the money. 
They did remove the forced place policy in XX/XX/XXXX, but instead of refunding the money back to us or using the money to apply to any outstanding payments they refunded the money back to escrow.

In XX/XX/XXXX our bill system missed one payment that we have since sent in. 
We have paid every monthly payment that was due Amazingly, the last time I was able to speak with a customer service rep she said we were in the forbearance program and the payments were not being applied. She said, she would terminate the forbearance program.

1 ) I do not remember requesting to be in the forbearance program and would like documentation that I signed something requesting this?

2 ) The XX/XX/XXXX statement says that we have an overdue payment of {$9300.00} which we know is not correct. You are holding {$8000.00} in escrow that was returned because of the error of you force placing the policy. If you subtract the {$8000.00} from the {$9300.00} the actual shortage is {$1200.00}. This shortage number needs to be reflected on my statement. 

I just received a Mortgage notice from a new servicer XXXX that lists {$3800.00} which is incorrect. My Mortgage should be {$2200.00} I will await your response within 10 days. If I do not hear back, I will be forced to pursue legally. 
I am available to discuss any questions or concerns you may have. 
Please govern yourself accordingly.

Company response to consumer: Closed with explanation