vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: NV

Complaint narrative:
On XX/XX/2019 I went to the emergency room sick. XXXX XXXX hospital XXXX XXXX XXXX XXXX XXXX NV XXXX. XXXX 's name on my receipt is XXXX XXXX .I negotiated the bill with the billing department From {$5600.00} to {$2200.00} in good faith and paid in full {$2200.00} on XX/XX/2019 and I saved the receipt. And about 3 months after I payed them I received an additional bill from DR XXXX XXXX for the same hospital bill I already settled and payed. for an additional {$1800.00} from a XXXX XXXX XXXXXXXX XXXX XXXX and an an additional {$250.00} from XXXX XXXX XXXX for the same hospital bill I already payed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BMW Financial Services NA, LLC
State: AZ

Complaint narrative:
This account is being illegally reported on my credit report. I formally disputed it directly with BMW in regards to their illegal reporting, and have not received any satisfactory reply. 
After the car was sold, the lender was required to send out a second notice, stating the amount that they credited from the resale, as well as a cancellation notice of the original sales contract. I was never mailed that second notice. 

I contacted BMW in writing on XX/XX/XXXX advising that I have not received notification regarding the sale that was to take place near XX/XX/XXXX. I returned the car to the lender on XX/XX/XXXX. I received the notification of sell date XX/XX/XXXX and nothing afterwards until I reached out and sent my communication on XX/XX/XXXX. 

I contacted BMW prior to returning and advised that I would purchase the truck. They advised XXXX for the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
With no notification, Synchrony Bank has cancelled my current card ( XXXX XXXX ) and reissued it. I have not received the new card, so I can not update payment information for other accounts ... and will have late payments as a result. Synchrony says that the notification is being mailed with the card. Which is no help because I haven't received it. And they won't remove the block. 

According to their rep, there was a data breach, but my card was not affected ... this is just a precaution. But it isn't a precaution to me, as I use this card. And have plenty of available funds for my current bills. 

It is wrong for Synchrony to arbitrarily cancel my card, with no notification, when they have no realistic expectation of a new card 's arrival. Maybe tomorrow, the rep said.

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 2021-07-18 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:
Hello : for 3 years I've been disputing with Experian as not only have they allowed my personal private information to be leaked they also refuse to update my report per Comprehensive Credit Act of 2020 section 401. They have bad information for a Bankruptcy on my file and some car loan. I've never been held to a contract for these two items and therefore they should not report on my credit as they are not mine. I called the courthouse where some entity pursued a Bankruptcy in my name but they refuse to discuss things with credit bureaus per the clerk. I asked for any paperwork signing off on a Bankruptcy but to no remedy. XXXX  has remained in compliance and removed the fraudulent Bankruptcy. At this point, I'm ready to pursue litigation against Experian as they owe me money for each negative item that remains on my credit report un solidified. Please advise and help prior to my filing things against Experian in Federal Court for fraud!

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 2021-07-18 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander and XXXX continue to corroborate on unethical and illegal practices. They were sent a debt validation letter. They produced a basic counterfeit copy. I asked for the original wet ink signature that showed I was ever in business with Santander. To no avail. Also i never gave XXXX written permission to furnish my information which is required by the FCRA Title 15 usc 1681 b2. Secondly XXXX never ran a consumer report investigation which requires them to interview my neighbor or family member. I dont have a neighbor so which family member did they interview.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18 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: VW Credit
State: NY

Complaint narrative:
The following hard inquiries listed on my credit report ( s ) were not authorized : XXXX - VW Credit Inc XX/XX/2020 XXXX  - Volkswagen Credit XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: NC

Complaint narrative:
I have disputed inquiries on my Equifax report ( XX/XX/XXXX ) waited 30 days for a response to have the disputes verified or removed and have not received any response. 
1 ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
Hello, I am writing out this complaint today because i was unfortunately the victim of identity theft and because of this unfortunate event in my life the criminal then used my information to receive goods and other products using my information that he stole from me. They then neglected their payments and let the accounts that they opened under my name without my consent, be submitted to collections. I did not catch onto to this event until 3 years later and have since been trying to get my life back together for me and my family. I then went ahead and submitted the appropriate paperwork to the local authorities and then submitted the documents to all parties that were reporting the accounts on my credit report. All parties that received the paperwork such as ; XXXX XXXX and XXXX  acted promptly and removed the accounts that stemmed from this event. The only one that continues to harass me about this old debt is the collection agency known as The Best Service Company. I also submitted the paperwork to them and they responded with a screenshot of the receipt that was signed from the company and a screenshot of someone else debt which they are trying to claim i am to person responsible. Please help me as they have clearly violated my consumer rights according to the 605B of the FCRA.

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 2021-07-18 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: HI

Complaint narrative:
TransUnion reported an unauthorized hard inquiry on my credit. I do not recognize nor authorized XXXX or XXXX XXXX to pull a hard inquiry on my credit. TransUnion also reported my employment to be incorrect showing wackenhut. This is negatively impacting my credit! I attempted to contact TransUnion and they said I need to do this in writing

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 2021-07-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PLAZA HOME MORTGAGE, INC.
State: CT

Complaint narrative:
My spouse and I purchased a condo on XX/XX/2021. The original lender was Plaza Mortgage ( serviced by XXXX. ). Plaza Mortgage is the company we are in dispute with at this time. The dispute is due to the fact that on XX/XX/2021 Plaza mortgage notified us by mail ( Please see attached ) that the loan was transferred as of XXXX to a new lender, XXXX XXXX XXXX XXXX XXXX ( serviced by XXXX, ) - and where we were to send our next payment due XX/XX/2021. On XX/XX/XXXX, we made the XX/XX/XXXX payment electronically, to XXXX XXXX as instructed. On XX/XX/2021 I we received the first " Delinquent Notice, " from Plaza Mortgage. We immediately called Plaza Mortgage, and were reassured the error would be corrected. On XX/XX/2021 we received a second notice - a Delinquency notice, again from Plaza Mortgage. We called Plaza Mortgage yet again, spoke to a Supervisor within Plaza Mortgage and were reassured the problem would be fixed. On XX/XX/XXXX, we received notice the property was now in Default.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NH

Complaint narrative:
I purchased my home back in XXXX and was in paying the person I bought my home from and in XXXX took a mortgage out with XXXX XXXX and then I took out a second for my kids college and to redo my kitchen, when they went under this other Company called SPS select portfolio servicing took over they told me to pay them and I was until the pandemic hit and they called and told to not worry about paying each month on time and had me on a forbearance. I was still able to pay my secondary payment and then my first mortgage payments went up from {$1200.00} to XXXX then XXXX then XXXX they have my payments up and down and now since about 8 months now are not accepting my first mortgage payments but only my second. I received a letter from and their attorneys that they want to foreclose on my house. I am in the works with XXXX XXXX XXXX out of California to help me with this deception of SPS. SPS will not work with me in reducing my rate from XXXX to the rate that is out there right now. They would rather foreclose and get the high value that my house has earned now. I need help to save my home which i have little grandchildren living with me and the work I have put into this home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: NY

Complaint narrative:
The following hard inquiries listed on my credit report ( s ) were not authorized : XXXX  - XXXX XXXX XXXX XX/XX/2020 TRANSUNION - XXXX XXXX XX/XX/2020

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 2021-07-18 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: NY

Complaint narrative:
The following hard inquiries listed on my credit report ( s ) were not authorized : EQUIFAX - XXXX XXXX XXXX XX/XX/2020 XXXX  - XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: TX

Complaint narrative:
Disputed several items on report, inquiries & paid some balances down but Equifax, XXXX  & XXXX  didnt update or investigate my disputes from last month. I asked for each agency to provide proof of their findings & all XXXX failed to do so. It almost seems as if Im being kept on a bad credit treadmill by this company. I want my entire report investigated by a live agent instead of a computer or I will be forced to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: TX

Complaint narrative:
Disputed several items on report, inquiries & paid some balances down but XXXX, XXXX  & Transunion didnt update or investigate my disputes from last month. I asked for each agency to provide proof of their findings & all 3 failed to do so. It almost seems as if Im being kept on a bad credit treadmill by this company. I want my entire report investigated by a live agent instead of a computer or I will be forced to take legal action

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 2021-07-18 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: Possible Financial Inc
State: FL

Complaint narrative:
I have been trying to resolve this issue with the companies and with the bureaus. I am a victim of identity theft and have accounts on my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, I am writing out this complaint today because i was unfortunately the victim of identity theft and because of this unfortunate event in my life the criminal then used my information to receive goods and other products using my information that he stole from me. They then neglected their payments and let the accounts that they opened under my name without my consent, be submitted to collections. I did not catch onto to this event until 3 years later and have since been trying to get my life back together for me and my family. I then went ahead and submitted the appropriate paperwork to the local authorities and then submitted the documents to all parties that were reporting the accounts on my credit report. All parties that received the paperwork such as ; XXXX XXXX, and XXXX  acted promptly and removed the accounts that stemmed from this event. The only one that continues to harass me about this old debt is the collection agency known as XXXX XXXX XXXX XXXX. I also submitted the paperwork to them and they responded with a screenshot of the receipt that was signed from the company and a screenshot of someone else debt which they are trying to claim i am to person responsible. Please help me as they have clearly violated my consumer rights according to the 605B of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have a problem with Equifax and XXXX not making it available to me what Mortgage score they report to mortgage companies and banks without my knowledge and consent. 

I am only able to see my mortgage score with XXXX but both Equifax and XXXX DO NOT make that number available to me, even though most banks and mortgage companies use that number to deny giving me mortgage loans or to qualify me for one. I believe this is a deception, and a violation of my consumer rights, especially since that information is used to deny giving me, and millions of other consumers, mortgage loans, or to qualify for buying a house. 

Credit reporting companies provide FICO scores, and my FICO score is GOOD with all 3 reporting companies, but XXXX is the only company that provides a mortgage score to consumers, however, both Equifax and XXXX maliciously " HIDE '' that number from consumers, even though they know their action will harm consumers. 

Mortgage scores should be not be " invisible or hidden '' from consumers because banks and mortgage companies rely on that score to give, or deny, giving mortgage loans to consumers, and they harm American citizens from their rights to purchase a home. 

I have been trying to qualify to buy a home for me and my family for the past 5 years, but, I have been denied every time because hidden mortgage scores and other info. are not available to me by Equifax and XXXX, and most banks and mortgage companies use the " HIDDEN '' numbers from Equifax specifically to deny giving me a mortgage. I can not fix, or improve, information and scores hidden from me, but is also used against me to deny me benefits and credit. 

By keeping the mortgage scores hidden, Equifax and XXXX DO NOT update, or correct scores and information regularly because consumers don't have access to that score, therefore, consumers can not dispute or challenge the incorrect information given to banks and mortgage companies. 

This is a violation of my fair credit reporting act, FCRA, and the consumer protection agency is responsible for enforcing our FCRA rights. 

Thank you

Company response to consumer: Closed with explanation