vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-29 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: UT

Complaint narrative:
I disputed the account XXXX act # XXXX*with XXXX, Experian and XXXX  and the fraudulent, incorrect information is still there. 
They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX XXXX  account XXXX with XXXX, Experian and XXXX  and the fraudulent, incorrect information is still there. I do not know who XXXX XXXX account XXXX is. I have never signed an agreement with XXXX XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX account XXXX with XXXX, Experian and XXXX  and the fraudulent, incorrect information is still there. I do not know who XXXX account XXXX is. I have never signed an agreement with XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX/XXXX/XXXX  account XXXX with XXXX, Experian and XXXX  and the fraudulent, incorrect information is still there. I do not know who XXXX/XXXX/XXXX  account XXXX is. This is fraud. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE ERRORS STILL EXIST

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 2020-07-29 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: NC

Complaint narrative:
I sent complaint to Experian, and they responded that I did not. I My name is XXXX XXXX and I am a victim of identity theft

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 2020-07-29 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: MD

Complaint narrative:
XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX released protected health information to a collection agency for medical billing. By law this is a HIPPA violation because XXXX XXXX XXXX is not supposed to even acknowledge that I am a patient without explicit and written consent from me. Also the collection agency is in violation of HIPPA because they continue to report it after being asked several times to remove the protected health information. Medical bills are protected health information because the bill acknowledges that I was a patient with them which violates HIPPA. I  did not give consent for this information to be released.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: TN

Complaint narrative:
I had to make two payments in order to complete the payoff in the large amount. I also followed up with calling Roundpoint Mortgage after making the online payments and learned that I should have completed my payoff with a different process ( wire transfer/mailing payment ) but was told it would be corrected ( I didnt select the payment to be a principle only payment and the monthly mortgage would have been taken out of the amount paid ). I was told they corrected that error over the phone and to watch my account to make sure it posted correctly. My Payoff amount that I received was good through XX/XX/20. I noticed that both accounts posted and then shortly after I noticed that the {$99000.00} did not post. At this point I am concerned that my money will not be applied to my mortgage loan and that a gross error may have occurred as the amount still owed on my home mortgage is showing as a Principle Balance owed {$99000.00}. I have made several calls to Roundpoint but cant seem to get an answer as to where my money is. I am concerned that my escrow money will also be mishandled. I have spoken to several Employees but with no answer. I feel I am getting the run around and I am worried that my money has been mishandled. I am requesting help! 
Thank you

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 2020-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
A few months ago, Citibank changed their web site. I have a Citi checking account and 2 Citi credit cards. Previously when you view your Card details and click on the Make a Payment button, it displayed the Citi checking account and the user could easily make a payment. You could still set up additional payment accounts. Currently it directs you to a payment setup page that allows selecting a bank ( Citi itself isn't listed on the default page ) or manually entering account details. It no longer provides your existing Citi accounts. You could search and find Citibank among the supported banks. However, the web site is malfunctioning. 

On XX/XX/2020 I attempted to make a payment from my Citi checking account to one of my credit cards. After entering my Citi credentials, it not only wasn't pulling up the Citi account but was also logging me off from the Citi web site completely. I tried a few times, with different browsers and had the same result. Finally I entered my routing and account numbers manually and processed a payment. I was not notified of any problem at that time or during the following week. On XX/XX/2020 I checked my account and noticed a Returned Check fee of {$29.00} and after reviewing my transactions I realized the payment did not go through. I had the same issues processing a payment but was able to use the Transfer option ( which is not at all intuitive or prominent ) to successfully pay my card. 

In addition to the {$29.00} late fee, Citi also charged me interest of {$6.00} and then {$8.00} next month, both of which as a result of the failed payment. I called Citi and they refused to refund either the late fee or the interest charges. 

This leaves me with the impression that Citi intentionally made their web site more difficult to use in order to generate additional revenue from fees.

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 2020-07-29 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: AR

Complaint narrative:
I WAS TRYING TO GET MY SON A NEW VEHICLE BECAUSE IT BROKE DOWN. MY SALESMAN TOLD ME THAT I WOULD BE ELIGIBLE, BUT WITH A VERY HIGH INTEREST RATE DUE TO CREDIT. I THEN ASKED TO SEE MY REPORT AND REALIZED THERE WERE THINGS ON MY CREDIT I HAVE NEVER SEEN. THESE ITEMS NEED TO BE REMOVED AS SOON AS POSSIBLE.

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 2020-07-29 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: AR

Complaint narrative:
I WAS TRYING TO GET MY SON A NEW VEHICLE BECAUSE IT BROKE DOWN. MY SALESMAN TOLD ME THAT I WOULD BE ELIGIBLE, BUT WITH A VERY HIGH INTEREST RATE DUE TO CREDIT. I THEN ASKED TO SEE MY REPORT AND REALIZED THERE WERE THINGS ON MY CREDIT I HAVE NEVER SEEN. THESE ITEMS NEED TO BE REMOVED AS SOON AS POSSIBLE.

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 2020-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX released protected health information to a collection agency for medical billing. By law this is a HIPPA violation because XXXX XXXX XXXX is not supposed to even acknowledge that I am a patient without explicit and written consent from me. Also the collection agency is in violation of HIPPA because they continue to report it after being asked several times to remove the protected health information. Medical bills are protected health information because the bill acknowledges that I was a patient with them which violates HIPPA. I did not give consent for this information to be released.

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 2020-07-29 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX released protected health information to a collection agency for medical billing. By law this is a HIPPA violation because XXXX XXXX XXXX is not supposed to even acknowledge that I am a patient without explicit and written consent from me. Also the collection agency is in violation of HIPPA because they continue to report it after being asked several times to remove the protected health information. Medical bills are protected health information because the bill acknowledges that I was a patient with them which violates HIPPA. I  did not give consent for this information to be released.

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 2020-07-29 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: UT

Complaint narrative:
I disputed the account XXXX act # XXXX XXXX, XXXX and Transunion and the fraudulent, incorrect information is still there. 
They should NOT be on my credit profile. This is fraud. 

I disputed the SXXXX XXXX account XXXX with XXXX, XXXX and Transunion and the fraudulent, incorrect information is still there. I do not know who XXXX XXXX account XXXX is. I have never signed an agreement with XXXX XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX account XXXX with XXXX, XXXX   and Transunion and the fraudulent, incorrect information is still there. I do not know who SXXXX account XXXX is. I have never signed an agreement with XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX/XXXX/XXXX account XXXX with XXXX, XXXX and Transunion and the fraudulent, incorrect information is still there. I do not know who XXXX/XXXX/XXXX account XXXX is. This is fraud. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE ERRORS STILL EXIST

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 2020-07-29 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: UT

Complaint narrative:
I disputed the account XXXX act # XXXXwith Equifax, XXXX and XXXX and the fraudulent, incorrect information is still there. 
They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX XXXX account XXXX with Equifax, XXXX and XXXX and the fraudulent, incorrect information is still there. I do not know who XXXX XXXX account XXXX is. I have never signed an agreement with XXXX XXXX  account XXXX They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX account XXXX with Equifax, XXXX and XXXX and the fraudulent, incorrect information is still there. I do not know who XXXX account XXXX is. I have never signed an agreement with XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX/XXXX/XXXX account XXXX with Equifax, XXXX and XXXX and the fraudulent, incorrect information is still there. I do not know who XXXX/XXXX/XXXX account XXXX is. This is fraud. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE ERRORS STILL EXIST

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Specialized Loan Services was provided documentation to show when payments were made for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, indicating paid within the same month and should not reflect 30 day late against my credit report. 

Specialized Loan Services agreed to remove the 30 day late for XX/XX/XXXX and XX/XX/XXXX however have not done so to date nor have re-reported to credit bureaus as promised. 

The organization also request proof of payment for XX/XX/XXXX for review for consideration of removing both 30 day late for XXXX and XX/XX/XXXX. Proof of payments have been provided, however still no updates nor updates to my credit report. 

I ask for speedy review and response, especially during unprecedented times such as these, as I need to be able to use my credit without inaccurate blemish to sustain my business. And wish to not spend unnecessarily resources on litigation of this matter, as I believe Specialized Loan Services will do the right thing here.

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 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I have contacted Caliber Home Loans numerous times about this issue. I Filed Chapter XXXX And it was converted to a Chapter XXXX. On my Credit Reports, Caliber Home loans refuses to show the account as included  in Bankruptcy. This is damaging my score as they are in clear Violation of the FCRA and the Bankruptcy Code. I received my Chapter XXXX discharge on XX/XX/2020. This is ridiculous that I can not move past this mortgage company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29 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: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

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 2020-07-29 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: VA

Complaint narrative:
For months have tried to dispute with TransUnion & XXXX XXXX agency to investigate the collection account on my credit report. I have asked for billing statements, payment history, signed documents, etc. of payday loan. No response has been received from Collection agency ( XXXX ) other than a sending settlement payment arrangement and no response from TransUnion, other than " was previously investigated '' letter. According the Fair Credit Reporting Act, I am due a full investigation, proof of such, and correct reporting on my credit files. I have asked for this item to be removed from my credit report because it is frivolous and can not be validated.

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 2020-07-29 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: MD

Complaint narrative:
Experian and XXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armstrong and Associates, Inc
State: MS

Complaint narrative:
Received a telephone call from XXXX with Armstrong & Associates on my cell phone. XXXX demanded and kept demanding immediate full payment for an outstanding {$3300.00} debt. At first she didnt want to tell me anything about the alleged debt or her companys address. Then XXXX claimed that the bill was for inpatient hospitalization at University of XXXX  XXXX XXXX in 2019. I was never admitted to any hospital in 2019. I have not received a bill from XXXX for {$3300.00} for having been admitted as an inpatient in 2019. I have several doctors at XXXX that I see regularly, surely someone at XXXX would have brought such a large outstanding balance to my attention prior to this call. Or, surely it would have showed up on my credit report. I have had Mississippi XXXX with XXXX dollar copayments for approximately 5 years. Unless its an emergency, I absolutely do not 1 ) see a doctor, 2 ) have medical test or procedures, 3 ) be admitted to a hospital, nor 4 ) fill a prescription unless  Mississippi XXXX approves it first.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Made a purchase at a local XXXX XXXX XXXX in XXXX of last year. HD was offering a promotion. XXXX percent interest for XXXX mos on all purchases made over {$190.00}. Must use HD consumer card. Minimum Monthly payments required. I also requested a covid 19 assistance program where 2 months of no payments ( interests free ) would be added. Balance must be paid in full at end of 3 mos or interest would be charged. So, my final payment for the promotional period went from XX/XX/2020 to XX/XX/2020 at XXXX interest. My payment date is the XXXX of each month. Always made the minimum payment of more. Never noticed any interest charged on my account until I received my XXXX statement via email. Balance should have been {$44.00}. Was {$46.00}. I was charged {$2.00} interest on an interest free promo. Citibank offers credit for the the XXXX XXXX store card. I was wrongly charged {$2.00} XXXX. I am paying my balance off. I do not want a credit to my card or account. I want to receive a check for {$2.00}, since I already paid this.

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 2020-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: OK

Complaint narrative:
On Saturday, XX/XX/XXXX, someone who hacked a good friend 's XXXX account, messaged me pretending to be her. They said that their mom 's friend was XXXX of the supervisors at Cash App and she could guarantee me extra money if I gave her some of my Cash App information, had money in my account, and created a Cash App Visa card. 

I trustingly gave out some of my information, which was a complete mistake, resulting in them taking {$800.00} from my account, removing my email and phone number so that I couldn't log back in, and they also hacked my XXXX account. 

I immediately contacted XXXX support and notified my friends who repeatedly reported my hacked account. They were now using my account to harass and scam my friends and family. Fortunatly, I was able to to reset my XXXX password and recover my account within two days. 

Since the event, I have continually tried to contact Cash App for support. As it turns out, Cash App does not offer customer support. There is absolutely no way for me to speak, or be directed to, a real person no matter what method I try. I even attempted to direct message Cash App on XXXX in hopes that a person will identify my situation and help recover my account. 

I am extremely disappointed by Cash App and the companies lack of security, support, and resources for their users. I am working on resolving the issue with my financial institution who also has yet to hear from Cash App in attempts to settle the dispute. 

I am writing this complaint to settle my dispute and prevent further scams and fraud. I also think it is important to highlight the lack of support and resources from Cash App in the face of fraudulent activity on their application. 

Thank you for your time and consideration and I look forward to moving forward with this case.

Company response to consumer: Closed with explanation