vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Heartland Resolution Group, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I received services at XXXX XXXX XXXX in XXXX, Ohio. After receiving this services, I was charged {$850.00} which I paid in full on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from Heartland Resolution Group saying I owed an additional {$420.00} as a result of this hospital visit. Heartland Resolution Group explained in the email that they were a debt collector trying to collect a debt that I owed to XXXX XXXX XXXX XXXX. When I called XXXX, they had no record of my account but said that's common when an account is sent to collection. I then called XXXX XXXX to ask if this sounded like an accurate charge, and they said they would send me an itemized receipt, but in the meantime said that it was POSSIBLE this was an accurate charge as hospital/facility charges and physician charges often come up as separate charges. 

I contacted Heartland Resolution Group directly to ask about the nature of the charges, and they had no details but offered to reduce my charge to {$100.00} if I paid before XX/XX/XXXX. XXXX XXXX was not able to mail me the itemized receipt before this date, so I felt I had no choice but to pay the {$100.00} to avoid paying more later. 

On XX/XX/XXXX, I received ANOTHER charge from Heartland Resolution Group saying I owed the rest of the {$420.00} debt, amounting to {$310.00}. 

Then on XX/XX/XXXX, I finally received the full itemized receipt from XXXX XXXX, and there was absolutely NO record of this {$420.00} charge. 

On XX/XX/XXXX, I called Heartland Resolution Group again to ask what was going on and they said that my account had been sent " somewhere else, '' but they had absolutely no record of where my account went. The representative I spoke to said " I guess that might mean your case is closed, but I don't really know. '' I then asked him if he had record of the {$100.00} I paid, and he said no. I told him I had record of the receipt in my email, and he told me to hold on to that, and that I could go ahead and ignore the {$310.00} charge and " all further communications '' from Heartland Resolution Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: OH

Complaint narrative:
I just pulled my report and saw a lot of errors. I saw some inquiries in my account that are not allowed under FCRA guidelines. I have tried contacting the bureau for validation but they chose to ignore my demands.

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 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Repair Like A Pro LLC
State: NY

Complaint narrative:
This credit repair company has my information but they arent fixing my credit no more

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 2022-05-02 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
In XXXX of XXXX, I had a charged-off auto-loan from Santander Bank ( SANTANDER CONSUMER USA on my credit report ). Shortly after that, the vehicle was repossessed. Eventually, Santander sold the loan to a debt collection agency named XXXX XXXX XXXX XXXX which sued me in civil court through an attorney group known as XXXX, XXXX, XXXX, XXXX. 

I hired my own attorney who was able to reach a settlement with the creditor 's law firm. I paid this settlement amount in full. Earlier this week, I asked Santander to remove the negative account from my credit report, and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: PA

Complaint narrative:
On Friday XX/XX/XXXX at XXXX I transferred {$500.00} via XXXX from my XXXX checking account to my Key Bank checking account as I have done several times in the past. I received an email confirmation from XXXX that the XXXX was successful and the {$500.00} was immediately taken from my XXXX account. I did not receive an email from Key stating that it had been received. I called Key Bank that morning and during my initial call a young lady first said that they have been having some issue with XXXX that morning but after a very long hold time she said that she saw no XXXX transfer and that my issue had nothing to do with the issue they were having that morning. She instructed me to go back to XXXX. I called XXXX and they told me they have confirmation that it was sent and accepted by Key Bank and to go back to them. After multiple calls back and forth between the two banks and several hours of phone calls, long hold times and different departments I was told to " wait and see if it shows up in a few days ''. Today is Monday and I still have no record of my {$500.00} other than the receipt showing it was sent from XXXX XXXX. I also called XXXX but was told it had to be resolved between the banks. Can please please someone help me???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good Afternoon, Today I noticed that XXXX XXXX pulled my credit without my approval. I didn't give any authorization for XXXX  to pull my credit and I have no XXXX  products. XX/XX/2022 is the day my credit was pulled. Please investigate, 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 2022-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STANDARD MORTGAGE CORPORATION
State: TX

Complaint narrative:
My mortgage was created by XXXX  XXXX XXXX XXXX, after about 1 year servicing of the mortgage was sold to Standard Mortgage. After the sale I requested to remove the escrow account from my mortgage, however, Standard Mortgage wants to collect a fee of {$1000.00} saying there is a " Risk Based Fee '' to apply to a non escrow Mortgage. This was never disclosed to me when signing the original mortgage documents nor is it listed anywhere in my contract. XXXX has also confirmed they would not charge any fee to end escrow. It doesn't seem legal that a servicer can add such a high additional fee to a mortgage that are not contractually there or disclosed, my mortgage should be serviced the same as the originator XXXX serviced it. If Standard Mortgage doesn't want to abide by the contracts of mortgages they purchase they should stop purchasing mortgages from other XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: OH

Complaint narrative:
The CRA 'Experian ' has failed to follow the FCRA guidelines in regards to reporting. The following account below is the account in question : XXXX  - 8 potentially negative months Closed Account info Account name Account number Original creditor Company sold Account type Date opened Account status Payment status Status updated XXXX XXXX - - Credit Card XX/XX/XXXX Closed Legally paid in full for less than the full balance Under section 609, you have the right to request : 1. All of the information in your consumer credit files.

2. The source of that information.

3. Each person that has accessed your credit report within the past two years ( unless it was to complete an investigation ). 
4. Businesses that have made soft inquiries within the past year.

Violation 1 : None of the following was provided to me upon multiple request to Experian.

Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. 

Violation 2 : regarding the payment history being reported. Take a look ar year XXXX where XXXX - XXXX was reported as 30, 60, 90, 120, 120, 120, 120 with XXXX, XXXX, and half of XXXX having no reporting at all. How is this accurate? How can an account go from 120 days past due, no reporting for two years and all of a sudden reports as charge off? This is completely inaccurate. 

Please review the following complaint accurately.

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 2022-05-02 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: Kriya Capital, LLC
State: CT

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02 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:
My student loans were reported 90 days delinquent back in XX/XX/XXXX, so in XX/XX/XXXX I called because it was still on my credit report and was told that it would not be removed until it was a zero balance. It was going to report delinquent indefinitely. I had never heard of an account being able to report indefinitely but I transferred & consolidated my loans in XXXX of XXXX to another lender which put my balance at zero with XXXX. When I called because it still appeared on my report, I was told that it would report for 10 years. Well XXXX of XXXX came and that made it 10 years it had be reporting on my credit. Spoke with XXXX at XXXX in XXXX of XXXX and was told that it should have been removed and she would sent it over to the department that handles credit reports to have it removed. I was told to check back in XX/XX/XXXX and it should be corrected. As of today, XX/XX/XXXX XXXX still appears on my credit report showing delinquent from 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 2022-05-02 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:
My student loans were reported 90 days delinquent back in XX/XX/XXXX, so in XX/XX/XXXX I called because it was still on my credit report and was told that it would not be removed until it was a zero balance. It was going to report delinquent indefinitely. I had never heard of an account being able to report indefinitely but I transferred & consolidated my loans in XXXX of XXXX to another lender which put my balance at zero with XXXX. When I called because it still appeared on my report, I was told that it would report for 10 years. Well XXXX of XXXX came and that made it 10 years it had be reporting on my credit. Spoke with XXXX at XXXX in XXXX of XXXX and was told that it should have been removed and she would sent it over to the department that handles credit reports to have it removed. I was told to check back in XX/XX/XXXX and it should be corrected. As of today, XX/XX/XXXX XXXX still appears on my credit report showing delinquent from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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:
My student loans were reported 90 days delinquent back in XX/XX/XXXX, so in XX/XX/XXXX I called because it was still on my credit report and was told that it would not be removed until it was a zero balance. It was going to report delinquent indefinitely. I had never heard of an account being able to report indefinitely but I transferred & consolidated my loans in XXXX of XXXX to another lender which put my balance at zero with XXXX. When I called because it still appeared on my report, I was told that it would report for 10 years. Well XXXX of XXXX came and that made it 10 years it had be reporting on my credit. Spoke with XXXX at XXXX in XXXX of XXXX and was told that it should have been removed and she would sent it over to the department that handles credit reports to have it removed. I was told to check back in XX/XX/XXXX and it should be corrected. As of today, XX/XX/XXXX XXXX still appears on my credit report showing delinquent from 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 2022-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOMESTAR FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was placed on the COVID-19 forbearance program for 12 months on XX/XX/XXXX. When I called in today on XX/XX/XXXX to extend it until XX/XX/XXXX I was told I could not extend it. Thy verified that the program was 12 months and repeatedly confirmed the start date but said that they could only keep me on the program until XX/XX/XXXX. 

I am currently in the process of acquiring a second job and would have been able to pay the balance by XXXX of XXXX, but now that they will not extend it and I only have 2 weeks to apply and get on another forbearance, the mortgage company has caused me undue hardships that will affect my credit score. 

I would like the mortgage company to keep their contractual obligation to keep me on the covid 19 forbearance for 12 months until XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
Sometime within the last year I applied for a line of credit with NetCredit which I did not access due to high interest and excessive fees. XXXX XX/XX/2021 I became aware through review of my credit report that the line of credit had been accessed. I have been attempting since this time to resolve this matter with the company. I no longer have access to my online account and no information has been shared with me. They requested a police report which was provided along with an identify theft report filed with the FTC. I also sent a bank statement from the time the funds were sent showing that I did not receive any funds from NetCredit to my bank account. I continue to receive emails demanding payment along with the same response to my inquiries that they completed an " investigation '' and determined I received the funds, but no documentation or information proving this has been sent despite repeated requests. I have shown proof on my end that funds were not deposited into my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: FL

Complaint narrative:
I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. I have also attached the letter I sent out. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

They state my account was verified but how is that possible if they did not do a proper investigated according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : - XXXX XXXX account # XXXX - XXXX XXXX account # XXXX - XXXX account # XXXX - XXXX  account # XXXX - XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: FL

Complaint narrative:
I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. I have also attached the letter I sent out. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information.

They state my account was verified but how is that possible if they did not do a proper investigated according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : - XXXXXXXX XXXX account # XXXX - XXXX XXXX account # XXXX - XXXX account # XXXX - XXXX account # XXXX - XXXX account # 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 2022-05-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Per the XXXX  credit reporting agencies are supposed to report/provide complete and accurate information for accounts placed for collection, charged to profit or loss, etc. Per the attached consumer report, XXXX XXXXXXXX XXXX account has incomplete and inaccurate information which puts Equifax in violation of my rights as a federally protected consumer. There is a date of last payment reported, but no last payment amount reported and no Date of Last Activity reported. If there was a last payment made, what is that amount. Why is it not being reported? Also Equifax is stating that this alleged account was opened XX/XX/XXXX but according to the payment history table, there is no data for the entire year of XXXX, XXXX and up until XXXX of XXXX. Where is this data? The payment history starts XX/XX/XXXX, which is different from what is stated. Why is this information starting XXXX years after the account was opened? Per the account details, the Date of First delinquency is reporting as XX/XX/XXXX why is the delinquency first reported date XX/XX/XXXX. There is nothing reporting for the Date Closed. What is this information and why is it not being reported. What is the Date of Last Activity? What is this information and why is it not being reported. Lastly according to account details this alleged account was reviewed for XXXX  months, but the payment history only accounts for XXXX months. Where are the remaining months that were allegedly reviewed. 
This alleged account, is still showing inaccurate and incomplete information on my consumer report. The date is XX/XX/XXXX and this alleged derogatory account has been on my consumer report for several years. Delete this immediately. Equifax is in violation of my rights as a federally protected consumer for reporting inaccurate and incomplete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: FL

Complaint narrative:
request for " Description of the procedures of re-investigation '' was received by Transunion on XX/XX/2022 for several accounts currently showing on my consumer report. Re-investigation by federal law are to be completed within XXXX days. I do not give consent to extend this time. in addition my Full Transunion File was requested Not completing both request is a violation of my Federal Rights

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