vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, I was a patient at XXXX XXXX, in XXXX Two bills were established, one for the medical facility and one for the emergency room doctor. The bill for the emergency room doctor was {$400.00}. Apex asset management llc of XXXX PA has been calling me and telling me, in writing, that I owe this bill. I explained multiple times of my two insurances and that both insurances would have covered the bill IN FULL. They continued to bill me. I have since learned that Apex asset management submitted the bill to the primary insurance using an INCORRECTLY spelled last name. I called the insurance company and they stated to me they never, ever received a bill for the doctor or a bill from Apex ; yet Apex told me they submitted the bill several times. This bill should have been paid when first submitted to insurances, but the last name has been spelled incorrectly ; although the last name on my patient chart is CORRECT. Apex told me on XX/XX/XXXX they were submitting the bill, AGAIN. I have never heard back from this debt company and need to have them be accountable and clear this matter up. There is no communication or follow up to know that they have finally corrected the billing name and submitted the bill to the insurances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: Grain Technology, Inc.
State: TX

Complaint narrative:
I submitted 3 tickets from XXXX to Grains customer support team letting them know I couldnt access the app to update my bank account. I didnt receive a reply until XXXX and I was reported being 30 days late to the credit bureaus. They dont answer phone calls. If I cant access the app, I cant pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was in contact with a landlord for an apartment in XXXX because I was moving to the area. After signing a lease, they requested that I pay a security deposit of {$1000.00}. I paid this amount through XXXX to the " landlord '' on XX/XX/2022. The landlord insisted I pay an additional {$1200.00} for the first month 's rent. I refused to pay until the landlord provided further identification. They ghosted me and stopped responding to my messages. I later realized that the property listed was already occupied by a tenant and owned by another individual. I called my bank and filed a claim with them on XX/XX/XXXX. After following up on XX/XX/XXXX, they said there was no action they could take to return the funds to my account. They suggested I call XXXX. I called XXXX on XX/XX/XXXX. They too stated that they could not take action because their policy does not offer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: AL

Complaint narrative:
XXXX XXXX Said we opened an account in XXXX XXXX ga. We live in XXXX for 14 yrs and have XXXX XXXX  for 14yrs have sent all paperwork to there fraud dept be certified mail and they received it every time i call they want something else last was a statement from XX/XX/XXXX every time i call they say our fraud dept is still checking my wife had her s/s used to open an account with XXXX XXXX  she also talked with fraud dept and they told her it looks like fraud on her s/s number i first contacted them XX/XX/XXXX there address is XXXX XXXX XXXX credit team XXXX XXXX XXXX XXXX XXXX XXXX XXXX we were never charged for there service on credit report shows 4 late payments alls i want them to do is contact credit companies and remove it also we told them we never lived in ga. Please help in resolving this mistake XXXX XXXX made thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: GA

Complaint narrative:
In accordance with the Fair Reporting Act all of the companies listed below has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15USCODES1681 section 602 A - States I have the right to privacy 15USCODES1681 section 602 A section 2 - It also states that a consumer reporting agency can not furnish a account without my written instructions.

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 2022-09-18 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: TX

Complaint narrative:
I submitted 3 tickets from XXXX to XXXX customer support team letting them know I couldnt access the app to update my bank account. I didnt receive a reply until XXXX and I was reported being 30 days late to the credit bureaus. They dont answer phone calls. If I cant access the app, I cant pay.

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 2022-09-18 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: AR

Complaint narrative:
I have filed a formal complaint against the credit bureaus about a bankruptcy reporting on my credit report. The furnisher removed that bankruptcy and the bureau has not removed the bankruptcy off my 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 non-monetary relief
Consumer complaint received 2022-09-18 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: AR

Complaint narrative:
I have filed a formal complaint against the credit bureaus about a bankruptcy reporting on my credit report. The furnisher removed that bankruptcy and the bureau has not removed the bankruptcy off my 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 2022-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
I've opened checking account with Ally bank on XX/XX/XXXX. When I open this account, Ally bank sent me the offer that I'll receive {$250.00} bonus cash if I meet the requirement by XX/XX/XXXX. The requirement was 1. Enroll by submitting your email address and offer code ( XXXX ). 
2. Open and fund a new Ally Bank Interest Checking or Online Savings Account between now and XX/XX/XXXX, using the email address you submit. 
3. Set up Direct Deposit and receive a qualifying Direct Deposit by XX/XX/XXXX. 
4.Keep your new Ally Bank Interest Checking or Online Savings Account open and in good standing until we deposit your bonus by XX/XX/XXXX. 

I did everything for the requirement. I'd contacted Ally bank since XX/XX/XXXX, but it still no result about this bonus. They keep told me that my case is the priority case, but no one can tell me when I'll get my {$250.00} bonus.

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 2022-09-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to 15 U.S.C. 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; The Credit bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation ( received in XXXX ), here is my certified mail tracking : XXXX - XXXX - Delivered XX/XX/XXXX, XXXX XXXX XXXX XXXX - Delivered XX/XX/XXXX, XXXX Experian - XXXX - Delivered XX/XX/XXXX, 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 2022-09-18 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: AL

Complaint narrative:
According to Fair Credit Reporting act XXXX XXXX XXXX Mortgage Account # XXXX and XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 also states a consumer report agency can not furnish account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: TX

Complaint narrative:
cfpb Reference number XXXX Equfax the consumer reporting agency can not furnish my permission of written instruction According to the provision of the Fair Credit Reporting Act 61 1 ( a ) [ 15 USC 1681i ( a ) ], these items must be deleted from my credit report within 30 days. In the interim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: SC

Complaint narrative:
XXXX has removed the below accounts. XXXX XXXX, XXXX XXXX Pursuant to 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 

Remove the accounts listed. I have attached the proof that show transition has removed the accounts that are still on my consumer report. These accounts are preventing me from getting a vehicle for my expanded family. It is causing my mode of living to be hindered and this is causing great XXXX  and fear.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account - 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am not aware of the accounts of these accounts.

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 2022-09-18 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: SC

Complaint narrative:
XXXX has removed the below accounts. XXXX XXXX, XXXX XXXX Pursuant to 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 

Remove the accounts listed. I have attached the proof that show transition has removed the accounts that are still on my consumer report. These accounts are preventing me from getting a vehicle for my expanded family. It is causing my mode of living to be hindered and this is causing great XXXX  and fear.

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 2022-09-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK
State: CA

Complaint narrative:
My loan was transferred to Midland Mortgage by XXXX XXXX company after forbearance. in XXXX of XXXX. During that time after that date, I keep getting in touch to MIdland and asking them so what going to happen with my loan, they said that your paper works are not ready they still do not know because my papers are not completed yet. but you are not obligated yet to pay your monthly payment since, they still waiting for modification, then my modification was granted in XXXX and stated in XXXX of XXXX. Now I want to refinance my house I see that I have 120+ late payment in my credit report which is avoiding me to get refinance, How is that happen? when Midland mortgage just finished my paper work in XXXX and I started paying on XXXX and I was on time paying the mortgage since then.

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 2022-09-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to 15 U.S.C. 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; The Credit bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation ( received in XXXX ), here is my certified mail tracking : TransUnion - XXXX - Delivered XX/XX/XXXX, XXXX XXXX XXXX XXXX - Delivered XX/XX/XXXX, XXXX XXXX  - XXXX - Delivered XX/XX/XXXX, 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 2022-09-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
According to 15 U.S.C. 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; The Credit bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation ( received in XXXX ), here is my certified mail tracking : XXXX - XXXX - Delivered XX/XX/XXXX, XXXX Equifax XXXX XXXX - Delivered XX/XX/XXXX, XXXX XXXX  - XXXX - Delivered XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Our loan servicer, Wells Fargo, has not been crediting our payments in a timely manner, instead, placing them into " unapplied funds '' and then filing foreclosure proceeding against us because they have not credited the payments. In XX/XX/XXXX, these unapplied funds equalled more than 4 monthly mortgage payments. Wells Fargo then filed for foreclosure, even though the ony reason we were behind was because they were placing our payments ( made by certified checks sent directly from the bank ) into unapplied funds instead of promptly crediting them as payments. 

In XX/XX/XXXX, a late payment was made due to the passing of my father-in-law and the need to cover his funeral expenses. 

According to an agreement entered into on XX/XX/XXXX, there could be one cure period if a payment was missed. According to Wells Fargo, this cure period took place on or about XX/XX/XXXX. However, there were no missed payments, these were only part of the {$10000.00} in unapplied funds. 

In XX/XX/XXXX, Wells Fargo began to reject certified payments, sending back our XX/XX/XXXX payment. They now admit that they are no longer accepting payments. I believe they are only doing so to force a default as there is no sound reason for doing so. 

Also, Wells Fargo is dual tracking. I have had an active request of mortgage modification for almost 9 months. Wells Fargo states that a modification takes approximately 30 days, this has taken more than 8 months because Wells Fargo has taken so long to process the modification that the documents have become stale dated, due to the fact that more than 4 months elapses before they begin to process the documents submitted.There is no reason that a mortgage modification should be going into its ninth month except for the willful indifference or deliberate malfeasance of the lender. 

Also, Wells Fargo has included {$1200.00} in legal fees in what they claim are " arrears ''. Also, Wells Fargo has cut us off from access to our monthly statements and has refused to send us duplicate statements we have been requesting in order to document all of their errors. 

They have instead sent us spreadsheets with information that omits such unauthorized charges such as legal fees. Wells Fargo has no explanation as to why we can not get access to the online portal to view our payment history except that they do not want us to document their accounting errors. 

Also, there are late fees due to the delayed crediting of our payments and their being placed in " unapplied funds '' for months at 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 non-monetary relief
Consumer complaint received 2022-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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