vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: OH

Complaint narrative:
When i was under age my mom took me to Hospital. 
The debt was not paid. Since then I have turned over XXXX. And the hospital put the bill in my name and I was unaware of this bill. 
The bill amount is for {$210.00}. As this bill shows up on my credit report. 
I have tried to dispute this bill. With the collection agency and XXXX and XXXX And the collection agency still will not remove it. XXXX asking to remove this account from report as I feel it violates my HIPPA rights. 

Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: FC HoldCo LLC
State: CA

Complaint narrative:
Flagship Credit Acceptance is mistakenly reporting this account as part of my Bankruptcy which is completely false. This account was never part of the bankruptcy. In fact, this account was paid in full as shown in the attachment. Please delete the bankruptcy negative remarks that is attached to this account or delete this tradeline.

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 2022-11-08 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: NJ

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 1681 XXXX XXXX XXXX : # XXXX, XXXX Vacation : # XXXX, XXXX : # XXXX show never late, 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 2022-11-08 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: NJ

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 1681 XXXX XXXX XXXX : # XXXX, XXXX Vacation : # XXXX, XXXX : # XXXX show never late, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Flagship Credit Acceptance is mistakenly reporting this account as part of my Bankruptcy which is completely false. This account was never part of the bankruptcy. In fact, this account was paid in full as shown in the attachment. Please delete the bankruptcy negative remarks that is attached to this account or delete this tradeline.

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 2022-11-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX is mistakenly reporting this account as part of my Bankruptcy which is completely false. This account was never part of the bankruptcy. In fact, this account was paid in full as shown in the attachment. Please delete the bankruptcy negative remarks that is attached to this account or delete this tradeline.

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 2022-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: VA

Complaint narrative:
I called BSI Financial on XX/XX/2022 for payoff for my 2nd mortgage. They advised me to go online to get the payoff amount because they could not tell me over the phone or confirm. I went online and found the full payoff amount that same day I went to my bank for a cashiers check for total amount and mailed to BSI. I also called to advise them I was mailing payment. They called me the week of XXXX XXXX XXXXXXXX stating I still owed {$260.00} to pay which at that time I paid over the phone. Today XX/XX/2022 I received a letter stating they are destroying my certified payoff check. Customer services can not give me answers and a supervisor keeps me on hold. I just want to pay off my loan in full. What company would not apply funds to an existing loan. This company needs to be investigated immediately due to unethical practices and fraud. The customer service keeps sending me to a voice-mail. This is XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # 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 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 2022-11-08 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: IL

Complaint narrative:
Name : XXXX XXXX XXXX of Birth : XXXX Last XXXX Digits of Social Security # : XXXX 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 1681. 


XXXX Bank : # XXXX and 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 2022-11-08 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: IL

Complaint narrative:
Name : XXXX XXXX XXXX of Birth : XXXX Last XXXX Digits of Social Security # : XXXX 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 1681.

XXXX Bank : # XXXX and 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Complaint Against : Wells Fargo XXXX Wells Fargo Home Mortgage XXXX XXXX, IA XXXX Re : Purported Loan # XXXX Wells  sent the following : As a result of at least one bankruptcy case filing that included the below referenced account, Wells Fargo Home Mortgage is NOT attempting in any way to violate any provision of the United States Bankruptcy Code or to collect a debt ( deficiency or otherwise ) from any customer ( s ) who is impacted by an active bankruptcy case or has received a discharge, where the account was not otherwise reaffirmed or accepted from discharge. THIS IS NOT A BILL OR A REQUEST FOR PAYMENT AS TO THESE CUSTOMERS. However, that is exactly what they are doing. 

My loan was not transferred to Wells Fargo at any time, and therefor, I have no idea why you are even involved with my loan. My Note is not with Wells Fargo. My Note never transferred to Wells Fargo. My Note was not an asset that was included in the purchase / merger between Wachovia and Wells Fargo.My Note is with World Savings Bank and has always been with World Savings Bank. The evidence is that my Note is a non-negotiable note and can never transfer from World Savings to Wachovia XXXX XXXX If there was a transfer of my Note, as a non-negotiable note, a specific indorsement is required and it will not be transferred by possession alone. 

The Party with the perfected lien on the property was then and is now World Savings Bank XXXX. There is no evidence of a transfer of the mortgage ; and no assignments of any kind are recorded. Wachovia " merged '' with the purchase of stock by Wells Fargo XXXX, the connection between Wells and Wachovia is a PURCHASE by Wells holding company 's corporate office with the holding company of Wachovia and was subject to the North Carolina Bulk Sales Act at the time. 

Be aware, this loan was discharged against the borrower in a XXXX  XXXX Bankruptcy. As there are no payments required to be made by the borrower, there can never be a payment default by the borrower ever again. This would be an actionable event by the borrower against Wells that is punishable by up to {$500000.00} in fines and jail time to representatives from Wells Fargo for violating the Bankruptcy Discharge Injunction. 
Wells Fargo is not now, and has never been a secured creditor on this property. 

I am waiting for complete acknowledement of this communication within the 30 day required time frame.During this time, please refrain from any requests for payment or expectation of collection of the collateral that belongs to World Savings Bank

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 2022-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I received a letter from CMRE Financial Services for an alleged medical debt. This debt was supposed to have been paid to the medical provider by XXXX XXXX, but was never paid. The medical provider sent it to collections and included {$2.00} in interest to the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: MARINER FINANCE, LLC
State: MD

Complaint narrative:
I have personal information that is apart of identity theft on my credit report. I also have accounts that are not mine due to identity theft. 
Several disputes and attempts have been made to get wrongfully information removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
I requested the 180 forbearance on my mortage as granted to me by the federal cares act. I was contacted by a XXXX XXXX XXXX, on XX/XX/XXXX and was told I was granted the forbearance, and he requested that I send an email to the company attesting to my financial hardship from covid ( which is not allowed by the cares act ) but I sent the email anyways. Then a month later I find out, I was never granted the forbearance and was not given a reason as to why my federally granted rights were being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: PA

Complaint narrative:
XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$600.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit ( Hist. ) Credit limit of {$400.00} from XX/XX/XXXX to XX/XX/XXXX XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 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 2022-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
My initial loan was secured through XXXX. On XX/XX/XXXX I received a notice of servicing transfer to Mr. Cooper indicating that any payments after XX/XX/XXXX, should be paid to Mr. Cooper. On XX/XX/XXXX, I submitted payment in the full amount to Mr. Cooper. On XX/XX/XXXX, I received a notice of escrow shortage indicating that my payment would increase starting XX/XX/XXXX. My mortgage is paid directly by ETF from my primary checking account. I changed the amount to the new amount shown in the escrow shortage notice. For reasons unknown, the amount paid for my XX/XX/XXXX payment did not include the {$190.00} increase for the adjusted escrow. However, since XX/XX/XXXX, every single payment made has been the full amount of our mortgage. However, Mr. Cooper failed to post these payment and instead instituted a partial payment suspense account with no notice whatsoever other than the subsequent invoice. Mr. Cooper has failed to provide any notice of any shortfall, delinquency or default and instead has simply sat idlily by charging late fees and damaging our credit. We have never received an email, letter, text or phone call that Mr. Cooper believed our account was short or left unpaid. Only until notice from the Credit Reporting Bureaus did we realize what had happened. In researching this, it is cleat the Mr. Cooper is a company that preys on its customers as opposed to providing any kind of " service ''. I have never missed a mortgage payment in 25 years and now due to a mix-up on an escrow shortage this company has purposefully and deceitfully used an {$190.00} escrow shortfall ( which quite clearly has been paid every month after XX/XX/XXXX showing a clear misunderstanding ) to not only damage our credit but generate {$990.00} is undisclosed, undocumented " late fees '' while showing that our mortgage in not in default. As stated, I never received any notice whatsoever of the escrow gap that quite clearly was an honest mistake. This company is no stranger to the CFPB and has been paying fines quite literally every year in the past decade for similar behavior not to mention a handful of civil class action settlements. I'm curoius how much is enough for the regulators to allow before they actually regulate Mr. Cooper out of existence. Clearly fines and class action settlements have not changed their ways and it is incomprehensible that after the Great Recession in XXXX and thereafter ( when this agency was created ) I am left with having to file a civil lawsuit against a company that so clearly is deceiving its " customers '' purposefully to reap improper " profits ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am a veteran and XXXX XXXX XXXX and so is my husband. I have had a Capital One credit card for several years and have successfully paid it off and have excellent credit. On XX/XX/2022 my husband used my Capital One credit card to make a {$4400.00} purchase XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022 Capital One reported my balance to XXXX even though my due date for paying it off is XX/XX/XXXX. This resulted in a XXXX point drop of my credit score. I called the company and asked if they changed their policy of reporting to the credit bureaus and the representative said it has always been reported that way. If that is the case, the reporting must have had an insignificant effect on my credit so as not to be noticable in the past ; however, this significant drop is detrimental to us as small business owners. My husband was getting ready to ask his banker for a XXXX XXXX loan for new vehicles. No other credit card company that I have used does this. What's the point of using a credit card if everytime you use it your credit score is derogatorily affected? I thought the point of paying off your credit cards on time each month was to help build your credit scores, not destroy them. Ironically, my hygienist told me she can't stand Capital One because they charged her a late fee on the due date because she paid it after XXXX XXXX online. I will wait to see if Capital One does the right thing by its members and changes this policy ; if they do not, I will be closing my account and I will be making sure that my friends, family, coworkers, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) will know that Capital One has implemented such a policy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: MD

Complaint narrative:
EQUIFAX STATED IN PREVIOUS RESPONSE THAT I NEEDED TO BE MORE SPECIFIC SEE LIST BELOW XXXX XXXX XXXX XXXXXXXX {$14000.00} XXXX XXXX XXXX {$340.00}

Company response to consumer: Closed with explanation