vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Ars : {$2800.00} Total XXXX XXXX XXXX : {$4500.00} Specialized collection services : {$710.00} My medical information was shared with a collection agency, Account Resolution Services, XXXX XXXX XXXX & XXXX Collection services I am being charged I've attempted on two occasions sending letters to Account Resolution  Services, XXXX XXXX XXXX & XXXX XXXX  XXXX  for debt validation in XX/XX/XXXX and XX/XX/XXXX, and each time the company has failed to validate the debt bearing proof of my signature or any contract I signed for Account Resolution Services, XXXX XXXX XXXX & XXXX XXXX  XXXX  to have authorization to collect a debt. Instead Account Resolution Services, XXXX XXXX XXXX & XXXX XXXX  XXXX  has sent a notice of amount due and medical information, services of lab work done which I know is a direct violation of HIPPA regulations. I've written the three credit agencies in XXXX XXXX and XXXX XXXX explaining that Account Resolution Services, XXXX XXXX XXXX & XXXX XXXX  XXXX  has violated my medical rights committing a HIPPA violation, did not validate the debt or have proof of my signature, and to correct my credit file. Now I ask that you investigate this direct form of violation and please delete this information from my credit file and cease all collection activity 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 2021-11-02 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: National Credit Systems,Inc.
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on NATIONAL CREDIT SYSTEMS. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I notified Wells Fargo credit card services for 2.5 years regarding the numerous repetitive erroneous, false charges appearing on my credit card statements, for items never purchased, nor were ever delivered, and several times while reporting the fraudulent charges, I requested my card number to be changed. Instead, they increased my credit limit on the already-compromised account, still being fraudulently charged, of which they didnt investigate, make the then-XXXX  acct number unusable to combat falsely-charged items, nor did they ever remove the false charges after my numerous requests to get them to remove the false charges, change the card number or turn the card off as it continued to be falsely charged with the newly inflated credit limit. They can certainly, and should verify with delivery services ( like XXXX, XXXX, XXXX, etc. ) that the merchandise they were charging me for was never delivered to me. I spent an enormous amount of time trying to get them to be accountable, and for them to not hold me responsible for falsely-charged, reported falsely charged items, of which I would certainly not charge up on a credit card, which was eventually maxed-out with continued fraudulent charging upon the new, inflated credit limit. This should not reflect poorly or as negative on my credit report, as they were notified of the false charges in a timely manner ( XXXX ), all actual truthful charges I paid off, and the numerous hours Ive spent in sending letters and via phone calls should have been enough to warrant them verifying that I never received the products/merchandise, and for them to remove these charges from my account, I shouldnt be responsible for the reported fraudulent use of my account-credit card number after my notifying them, ( XXXX was my acct # then ), that these charges were bogus, I shouldnt have to pay for false charging on my account, I believe that they should be responsible to me for verifying these items, non-ordered/non-delivered, are removed from my account charges and corrections should be made to reflect truth. I especially should not have this account reflect negatively against me on my credit report, considering the extraordinary amount of time and energy I have had to spend in order to attempt to have these false charges against me corrected for truth, and to have the fraud removed off my 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 2021-11-02 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
pen fed credit union reported on XX/XX/XXXX that my personal line of credit had a balance of XXXX when I paid my loan in the amount of XXXX on XX/XX/XXXX which was before the due date. I do not understand why incorrect balances are being reported. this is the second time. this is unfair to customers who pay their bills on time.

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 2021-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
I have used this company for years. I recently fell on hard times and have not been able to pay my loan. I paid one loan of Iver XXXX for furniture. When I went to make al payment I was told due to default, I now owe interest for 2 years which was over 2400. No forgiveness due to covid-19 or job loss due to being on medical leave. They also harass my friends and recently found a sister if mine and now harass her. Today I got a letter for right to cure. I plan to file bankruptcy.

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 2021-11-02 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by 3 bureaus. Despite sending them the letter, 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, 3 bureaus have 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 :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: Receivables Performance Management, LLC
State: TN

Complaint narrative:
There are 2 companies reporting XXXX XXXX XXXX collections on my credit report for the amount XXXX. One company is from Receivables performance the other is from credence resource management. Im not familiar with any of these companies. I dont owe them anything and now it looks fraudulent. I havent had a service with XXXX XXXX XXXX since 2017. The dates and amounts are inaccurate and the companies are unrecognizable, and Ive never did business with them

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 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
CONTACTED THE 3 MAJOR BUREAU SEVERAL TIMES ABOUT INACCURATE AND INCORRECT PERSONAL INFORMATION ON MY CREDIT REPORT YET NOT HAS BEEN UPDATED NOT CHANGED

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 2021-11-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I've been repeatedly denied for lines of credit through companies which use Synchrony Bank as their credit provider. 

I have a XXXX XXXX and XXXX XXXX credit score using XXXX XXXX. I currently have a 19 % credit utilization, an average account age of XXXX XXXX, 0 derogatory marks, and a 100 % payment history. 

For instance, in XX/XX/2021, I applied for an {$800.00} line of credit on Guitar Center through Synchrony Bank, but was instantly denied for " High risk source of application ''. I first called Guitar Center which said they are unable to do anything and everything must go through Synchrony Bank. I called Synchrony Bank and they are unable to provide any information other than a mailer which would be sent to me. The mailer said the reason for denial was " High risk source of application ''. Synchrony Bank was unwilling to provide any further clarification. 

In a more recent case, in XX/XX/2021, I applied for a {$2000.00} line of credit on XXXX Store through Synchrony Bank, but was instantly denied for " High risk source of application ''. I was sent through the same ringer with an inability to have " High risk source of application '' clarified.

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 2021-11-02 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX  has my credit report at a low score. When I paid the card off months ago and start back using it my score drops every time. 
When I pay the balance off my score barely changes. I don't no what's going on with scores lately pay off goes down use it goes down. 
Makes no sense to credit bureaus score there running and doing. 
Pay car off score does not change. 
Seems to me there is nothing going on but a scam to consumers by banks and the 3 big 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 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TransUnion has on my credit file wrong address in which every time I turn around there creating address with same address with wrong information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is wrong Then there XXXX  XXXX XXXX with no XXXX XXXX Then there XXXX XXXX XXXX XXXX XXXX NV XXXX Right Address is XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I'm also filing a complaint with US Attorney office on this matter. Every time I don't check month to month Transunion starts this wrong information again

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 2021-11-02 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: AL

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, BEST B Inquired on XXXX XXXX, XXXX ; XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  - XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  - XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX-XXXX  XXXX. Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
convergent outsourcing claim i owned XXXX XXXX XXXX and i spoke to XXXX and they said this is fraud and to report it this company cause my credit score to drop XXXX point unfairly.

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 2021-11-02 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: Kriya Capital, LLC
State: TN

Complaint narrative:
There are 2 companies reporting XXXX XXXX XXXX collections on my credit report for the amount XXXX. One company is from XXXX XXXX the other is from credence resource management. Im not familiar with any of these companies. I dont owe them anything and now it looks fraudulent. I havent had a service with XXXX XXXX XXXX since 2017. The dates and amounts are inaccurate and the companies are unrecognizable, and Ive never did business with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
After I found a billing error and requested documentary evidence after an investigation was complete, the account opened by my open end consumer credit plan was CLOSED on XX/XX/XXXX. 

Closed with clarification or documentary evidence of indebtedness. The account was closed on XXXX XXXX and an investigation was started XX/XX/XXXX Pursuant to regulations of the Consumer Financial Protection Bureau under 15 USC 1666 ( d ), a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account. 

I have attempted to resolve this on XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. 

This is not my obligation because I used my charge card issued under my open end consumer credit plan. The obligation belongs to the United States pursuant to 18 USC 8.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I applied for a XXXX card thru Barclays because they had a XXXX mile promotion. I applied in XX/XX/XXXX should have had points in XX/XX/XXXX. I been calling them and the last customer service representative said I am probably not getting the XXXX points there is nothing on my account. 
They are ripping me off I am a XXXX Veteran and do like to be taken advantage off. 
The criteria was if you spend XXXX dollars in 90 days you will receive the promotion. I spent over XXXX in first month. 
I have called XXXX and put in for a investigation. I had to pay for my tickets with cash because they have ripped me off.

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 2021-11-02 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my account has been diligently neglected by 3 bureaus. Despite sending them the letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, the 3 bureaus have 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.

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 2021-11-02 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: CITIBANK, N.A.
State: MD

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Credit Bureaus are reporting inaccurate information on CBNA. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the erroneous account reporting on my Credit Report : CBNA XXXX XXXX {$1900.00}

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 2021-11-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI

Complaint narrative:
I am a consumer of the United States and Rushmore LMS is a debt collector which is stating that I have alleged late payment, in which i paid on time. According to title 15 usc 1692 - congressional findings and declaration of purpose, they are in violation because reporting this to my consumer report has had a huge effect on my getting a job. Which is forcing me to have marital instability. I need them to update these alleged late payments and change them to on time payments within 5 days or I will pursue litigation. They also violated the FDCPA 15 usc 1692e - false or misleading representations- because they are false representing my character because they are accusing me of a alleged late payment and i paid it on time. Attached to this complaint is a cease and desist, that was sent certified mail and green return slip on XX/XX/XXXX. Stating all the violations and harm, Rushmore LMS has committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion Credit Reporting Company, My TransUnion Credit Profile shows an Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX. An inquiry should only be on a person 's credit profile for two ( 2 ) years, the date of my complaint is XX/XX/XXXX ; therefore, the inquiry should be removed 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