vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I saw a new dentist at XXXX XXXX on XX/XX/ in XXXX Colorado for a simple teeth cleaning - preventative care 100 % covered by my XXXX XXXX insurance. I provided my dental insurance information with XXXX XXXX XXXX Colorado XXXX XXXX XXXX ID XXXX. The office manger there has repeated the correct information over the phone twice or more monthly and promises they will file a claim and not try to collect from me. However, to date, they have not filed any kind of a claim with XXXX XXXX nor provided proof of service and medical records so that I can file the claim myself. 

Both I and XXXX XXXX have repeatedly reached out together via phone ( through XXXX XXXX 3-way call ) and secure XXXX XXXX email system to get them to file the claim or provide proof of service. Per XXXX XXXX 's contract with XXXX XXXX, they can not send a patient to collections without first submitting a claim. However, they have sent me to collections. ( copy attached ). 

No matter what we do, neither the collection agency nor the Dentist will stop. They even send nasty text messages that I can not opt-out of. 

If they can not provide proof of service and medial records they can not send me to collections, so is what they are doing illegal? How can it be stopped? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: KS

Complaint narrative:
Hospital charged me the wrong amount im trying to get a hold of them to charge me for the correct amount i need to dispute this amount charged to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
seller over charged this buyer. when buyer contacted the seller about the over charged amount the seller turned a deaf hear. moreover the seller sold a car with damages on the vehicle. Buyer haven't heard from the seller related this cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: FL

Complaint narrative:
I am interested in disputing all incorrect information on my credit report with transunion. checking my file ive noticed alot of invalid information on my file.

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 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent CRA 's documentation and proof based on the results of the CFPB report that the ( collection account ) XXXX must be deleted. The CRA have not removed it and I have the documentation from the organization as well to support the deletion. 

It should be deleted immediately. This is identify fraud. I have been working with two CRA 's for 3 months and they have not done a proper investigation, when information was requested, they did not have my permission to publish this on my consumer report per Disclosure to Consumer. USC 1681 2 ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. I NEVER gave permission form any credit report to publish my personal identifiable information. ( FRAUD ) I have the document from XXXX states this needs to be removed. Now, they still have not removed it after sending documentation in to support the deletion of collection account in the amount of XXXX from XXXX Account. I have the letter from the collection agency as well stating they have submitted for it to be removed. In addition XXXX has deleted this from my Consumer report, which supports there was not a proper investigation done by Equifax and XXXX. 
I have documented every letter and receipt to support my efforts of removing this from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-07 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-07 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: WI

Complaint narrative:
After reviewing the FCRA ( which governs how information is furnished in a consumer report ) as well as consumer law, it has come to my attention that your company is violating the law ( s ) set in place to protect the consumer. Last time I checked, company policies do not trump federal law. If this is the case, send me documentation ( s ) supporting the claim.

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 2023-01-07 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: WI

Complaint narrative:
After reviewing the FCRA ( which governs how information is furnished in a consumer report ) as well as consumer law, it has come to my attention that your company is violating the law ( s ) set in place to protect the consumer. Last time I checked, company policies do not trump federal law. If this is the case, send me documentation ( s ) supporting the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: WI

Complaint narrative:
After reviewing the FCRA ( which governs how information is furnished in a consumer report ) as well as consumer law, it has come to my attention that your company is violating the law ( s ) set in place to protect the consumer. Last time I checked, company policies do not trump federal law. If this is the case, send me documentation ( s ) supporting the claim.

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 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted XXXX, Equifax and XXXX about the fraudulent student loan accounts on my credit report. I have submitted a federal trade commission affidavit, police report and notarized letter explaining the fraudulent information. I demand for the information to be blocked and removed per fxra section 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: TX

Complaint narrative:
I have contacted Experian, XXXX and XXXX about the fraudulent student loan accounts on my credit report. I have submitted a federal trade commission affidavit, police report and notarized letter explaining the fraudulent information. I demand for the information to be blocked and removed per fxra section 609.

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 2023-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
Long story short : The mortgage servicer is receiving payments and this can be proven by HAF and they are not applying them. The award was in XXXX of 2022 and only one payment has been posted that was HAF. The rest of the payments were made by us struggling to do so. When confronted about it in a previous CFPB claim, the company stated : " Our Corporate Office received notification from an unauthorized third party that they were receiving checks in the mail from the HAF intended for our office. We have confirmed that the address being used by the HAF to send funds to us is incorrect. Our records show we have reached out to the state of Florida assistance programs to confirm the correct address to send payments to us, as well as to confirm your participation in the program in order to investigate your assistance payments, but as of the date of this letter, we have not received a response. Please note, the correct mailing address for payments from the HAF is : XXXX XXXX XXXX XXXX TX XXXX As of the date of this correspondence, your loan is current and next due for your XX/XX/2022 payment in the amount of {$2000.00}. '' This is absolutely incorrect and false information. There is no way this information can be factual because of the fact that the mortgage servicer has POSTED XXXXXXXX XXXX payment from HAF. The mortgage servicer also complains that HAF are " hard to reach '' and they " can not get ahold of them ''. Well this is because the mortgage servicer, Dovenmuehle is doing as little as possible to get anything accomplished. I picked up the phone and dialed the HAF call center number and immediately got connected. I had the HAF representative VERIFY not ASK me for the correct address. The address she provided was not only what Dovenmuehle is stating needs to be the correct address but is also what is on the XXXX statements that Dovenmuehle sends monthly. 

Dovenmuehle, please understand that we are in our final days of fighting the battle with you. IF you do not do something promptly about this concern, we will be taking you to court and suing for more than the allotted HAF award money. We are prepared to win. Please also be aware, we have many people in a group that all have their loan serviced by you and have the same issues. We are prepared to take this class action and are actively talking with a real estate attorney that is more than happy to take this concern seriously in court. Please be prepared to actually solve this issue, I do not want to hear a single excuse in the reply to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive recently checked my credit report and Ive noticed my rights are being violated. Ive disputed with the company the have still yet to removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Ive disputed with creditors with reference of the laws and rights theyve broken. 15 USC 1681a* ( 2 ) * ( B ) & 15 USC 1602

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 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX reported on my credit report Experian today XX/XX/2023 that this fraudulent credit card is over the limit. this fraudulent account is currently in dispute will all three credit reports and they must delete it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I have contacted XXXX, XXXX and XXXX about the fraudulent student loan accounts on my credit report. I have submitted a federal trade commission affidavit, police report and notarized letter explaining the fraudulent information. I demand for the information to be blocked and removed per fxra section 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: MI

Complaint narrative:
All the inquiries that are fraudulent are : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive disputed several fraud items with equifax, they refuse to delete them and are violating the fair credit reporting act and other laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: AZ

Complaint narrative:
I have requested for the credit bureau to do a thorough investigation and verification of my credit report. I have also reviewed and verified the information and have found these to be inaccurate. In accordance with the Fair Credit Reporting Act the following accounts have been reported in error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance to the Fair credit reporting act account # has violated my rights 15 U.S.C 1681 section 602 A states that I have the right to privacy 15U.S.C 1681 section 602 A Section 2 states that a consumer reporting agency can not furnish an account without written instruction.

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 2023-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have two issues with accounts I recently opened with Regions Bank. I opened these accounts after receiving a promotional offer mailer advertising a bonus for opening a new checking and/or savings account. I opened both a checking account and a money market savings account, and have received the {$400.00} bonus that was advertised to me. So far, so good. 

XXXX ) The issue began when I went to close these accounts, as I opened them only for the bonus offer. The branch employee informed me there would be a {$25.00} " early closure '' fee for both accounts because they had to remain open for at least 6 months, as part of the promotion. This early closure fee was not disclosed anywhere on the promotional offer ( images attached for reference ), nor anywhere that I recall during the account opening process. Note that I work in consumer protection compliance for a large national bank ; in other words, I read the fine print. So I was more than surprised to find out about these fees only through the ( very helpful ) branch employee. This is material information that may have affected my decision whether or not to open these accounts. Given both the CFPB 's and President Biden 's recent advocacy against junk fees, and against deceptive practices in general, it's surprising to me that Regions would try to impose a fee like this ( on a promotional offer, no less ) without at least disclosing it to customers. 

XXXX ) The second issue is specific to the money market savings account. I was recently charged a {$12.00} fee that, through research, I believe is for for not maintaining the required minimum account balance. ( I say through research because my statement gives no detail on what the fee is for ). I'm fairly certain the minimum required balance when I opened my account was {$2000.00}, because that's how much I put in the account ( i.e. I didn't choose {$2000.00} at random ). There is nowhere that I've found in my account info that states what my minimum required balance is ( super helpful ), but looking at other Regions accounts it appears to be {$2500.00}. I'm not sure if this changed after I opened my account or what happened exactly. I won't say it's impossible that I read the min balance wrong, but again, I can't imagine I would've chosen to deposit {$2000.00} if I knew the minimum required balance was {$2500.00}.

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 monetary relief