vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
For many years now ( about 8 ), creditors, like XXXX Credit Card ( XXXX XXXX ), XXXX, XXXX XXXX, and XXXX ( to name a few ) tell me that I have a credit/ fraud/ extended alert on my credit profile. 

Example- I applied for a Chase card recently towards the end of XX/XX/2021, and I received a hard inquiry ( as expected ), however, I then received a letter stating that I have an extended alert on my profile, specifically from XXXX , and that they can not continue with my request. 

Unfortunately, this was an inquiry for nothing ... I've gathered so many inquiries with no result because lenders can't continue with a credit to open or update credit. 

Sometimes, some banks will ask me public records questions to proceed with my request, other times, they say they don't have the capacity ... 

This same thing happens when I ask banks for credit limit increases ... 

According to the lenders, the alert they receive from the bureau says that they need to contact me to verify my identity, but that I have no phone number on file. 

This happens with all three credit bureaus ( XXXX, XXXX, and experian ), yet all three verify I have no such alert, and that my phone number and contact details are in fact listed on my report. 

My credit has suffered tremendously because I can't reach anyone who can help me with this. 

Today, XXXX XXXX, I've called all three bureaus again. I've written before, too. All three say I have no alert and that the lenders system is at fault. This can't be, as its multiple lenders!

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 2021-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I contacted ARS twice in XX/XX/2021 and in XX/XX/2021 requesting validation of this debt. This debt is Outdated according to the Statute of Limitation in the state of Florida. ARS refuses to provide information that validates this debt that keeps getting RESOLD from company to company because the debt can not be validated. I have requested Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you It has been over 60 days and NO RESPONSE

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 2021-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Receivables Group, Inc.
State: SC

Complaint narrative:
Spoke to XXXX on XXXX she said I made a payment on XXXX {$140.00}. I ask her how was payment made she couldn't provide any info. This collection took my {$1000.00} state refund check and paid a debt they shouldn't pay or I wasn't aware of and now saying I owe this debt. They providing false info and misleading the credit bureaus with is bogus info. It is really hurting me tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$5900.00}, {$8400.00}, {$720.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- AUTO LOANS OR LEASES 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8400.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$720.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
In XX/XX/2021 and XX/XX/2021 I request that First Federal Control Validate an alleged debt that they claim I owe. I have been requesting Validation of Debt and HIPAA authorization that qualifies First Federal Control to Legally collect on this debt. I have asked for First Federal Control to Please provide a breakdown of fees including any and all collection costs and medical charges Please provide a copy of my signature with the provider of service to release my medical information to you I have requested this information over 60 days ago and NO RESPONSE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion continuously claims to not receive the mail that I sent them time after time. I will call in and one representative will claim they have received the documents and the next representative will claim I need to re-send my dispute. At this point I believe they are using this as a STALL practice I am very u happy with the service they are providing!!!!

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 2021-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have had an issue with my credit score and getting a SBA loan after American Express randomly pulled almost {$30000.00} of my credit limit - this dropped my score over 130pts. For background, I have never missed a payment on any card that I own and I had been a card member with Amex since XXXX. I had a {$16000.00} credit limit until around XX/XX/XXXX, and around that time I requested a limit increase and they moved it up to almost {$32000.00}, then by XXXX of this year they dropped my limit to {$1900.00} without warning or explanation. This is only a couple months after I quit my job to start my own company, and I had just purchased a house back in XX/XX/XXXX ( with an XXXX credit score pulled by the lender ), so really was a terrible time to have a credit score drop without explanation. 

I called American Express numerous times and at first they told me my credit limit was moved to {$1900.00} in XX/XX/XXXX - I said that is not true, I have statements that show otherwise ( I print them every month and have all PDFs saved since I opened the card in XXXX ). Anyway, they ended up telling me I had to send my financial documents to them. I sent them some, enough to prove I can cover the entire credit limit, and they never responded. When I reached out to them again, they told me that they made a " business decision '' and would not increase my credit limit. Next month, my score dropped 138pts. 

I filed a complaint with the XXXX, but the XXXX  closed my complaint because American Express responded " We mailed the customer our response to this complaint '' and I had 7 days to reply to the message -- I still haven't received a response ( ~1-2 months past doing that now ) and the XXXX  contact for my case will not return my calls. 

I am hoping we can find some way to fix this issue. I have just about drained my savings starting this business and I now have almost no way of getting any sort of financial aid despite an 800+ credit score for the 1-2 years ( until these last 7-8 months ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my credit report and found multiple errors. I reached out to the CRA to remedy the issues and they have not responded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
please review the following accounts that appear on my credit report, they do not belong to me, and are hurting me XXXX Account Number : XXXX This is not mine. 
Identity Theft DEPT OF ED/NAVIENT Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF ED/NAVIENT Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft DEPT OF ED/NAVIENT Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF ED/NAVIENT Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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:
MY PERSONAL INFORMATION WAS USED BY AN UNKNOWN PERSON WHO USED MY INFORMATION TO OBTAINED DEBT SUCH AS CREDIT CARDS AND MEDICAL BILLS NOW MY CREDIT PROFILE IS DESTROYED. I AM DOING THIS REPORT INHOPES OF FIXING MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: FL

Complaint narrative:
MY PERSONAL INFORMATION WAS USED BY AN UNKNOWN PERSON WHO USED MY INFORMATION TO OBTAINED DEBT SUCH AS CREDIT CARDS AND MEDICAL BILLS NOW MY CREDIT PROFILE IS DESTROYED. I AM DOING THIS REPORT INHOPES OF FIXING MY CREDIT.

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 2021-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harr Imports Inc
State: MA

Complaint narrative:
I consumer XXXX XXXX XXXX entered into a consumer credit transaction with Harr Toyota Inc on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Harr Toyota Inc took cash. The finance charge is supposed to include insurance, but harr Toyota made me purchase insurance separately. Harr Toyota is therefore criminally liable pursuant to 15 USC 1611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Please open attachment below : XXXX XXXX for narratives for STEPS THREE, FOUR, & FIVE Please open attachment below : XXXX for the documents that provide evidence to support the narrative.

Please refer to the Cover Page, Page 01 of the XXXX to provide titles and page numbers for the supporting evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
This collection agency sent me a bogus invoice with an individual phone # and address that belongs to a storage warehouse when I ask them to validate this account. They also didn't have the right amount owed or pay.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
My FHA Mortgage forbearance expired XX/XX/2021. I contacted my mortgage servicing company Community Loan Servicing LLC to find out next steps i.e. what option is best for me going forward. They told me that because I had arrears prior to the mortgage forbearance that I did not qualify for the various FHA Mortgage Covid-19 options which would best help me. 
The only options they presented were ; 1. Pay the lump sum of all mortgage arrears this includes the portion currently being paid in bankruptcy 2. A hardship modification which they have denied in the past. My financial circumstances are worse now due to my lay-off during the pandemic. Their past denial of a mortgage modification is why I went into bankruptcy to prevent a foreclosure. Now Community Loan Serving is also saying that they will likely deny any new hardship modification again and start foreclosure procedures again. During the mortgage forbearance period payments were made by the Bankruptcy Trustee to the mortgage loan. As a result of these payment by the trustee the actual arrears portion of my mortgage loan has gone down. I dont know how this effects the current actions of Community Loan Servicing. They have refused to accept a normal mortgage payments from me at this time. 
Based on my conversation with Community Loan Servicing they said my only options are the 2 noted above. This is not what I was told when I requested the mortgage forbearance. The mortgage forbearance has made my situation worse instead of better because I was given inaccurate and incomplete information by Community Loan Servicing. They are using the mortgage forbearance to force people into foreclosure instead to helping home owners stay in their homes. At no time when I requested a COVID-19 forbearance was I told that Community Loan Servicing could refuse to do any of the options offered by the FHA.

In reviewing the Community Loan Servicing LLC website they never mentioned that persons who currently have arrears can not take advantage of various FHA assistance options due to Covid-19.

Below are 2 FHA websites and at no point does the FHA on its website mention that persons already in arrears can not take advantage of other FHA payment options at the end of the mortgage forbearance period. 

https : XXXX https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
My bitcoin wallet on coinbase has been missing for months and I can't access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: GA

Complaint narrative:
On XX/XX/2021, I made a regular monthly payment in the amount of {$950.00} by check to XXXX XXXX  in XXXX, Georgia for my XXXX mortgage payment. The payment was made on the due date of XX/XX/2021 and well before the late payment date of XX/XX/2021. 

On XX/XX/2021, I was reviewing my credit reports from XXXX, TransUion, and XXXX  when I discovered that the mortgage account had been reported as having a 30 day late payment for the month of XXXX. I immediately called XXXX XXXX  and they told me that they were showing all my payments had been made on time and were current, and that someone from credit reporting would call me back that day. I got a call back but was told that I would need to email a copy of my credit report to XXXX XXXX to get the issue resolved. I emailed a copy and detailed what was happening. I also left a voicemail, which was not returned. 

After receiving no response from Ms. XXXX, I called her again, and again received no response. Customer service attempted to transfer me to XXXX XXXX, and I again was just transferred to voicemail. I have a receipt that shows the payment made on XX/XX/XXXX as well as an image of the cancelled check I used to pay. I need this late payment removed from my credit report and it seems that no one at the bank is responding. 

I have attached copies of my XXXX  credit report and cancelled check used to make the XXXX payment.

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 2021-07-22 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: GA

Complaint narrative:
On XX/XX/2021, I made a regular monthly payment in the amount of {$950.00} by check to XXXX XXXX in XXXX, Georgia for my XXXX mortgage payment. The payment was made on the due date of XX/XX/2021 and well before the late payment date of XX/XX/2021. 

On XX/XX/2021, I was reviewing my credit reports from XXXX, XXXX, and Equifax when I discovered that the mortgage account had been reported as having a 30 day late payment for the month of XXXX. I immediately called XXXX XXXX  and they told me that they were showing all my payments had been made on time and were current, and that someone from credit reporting would call me back that day. I got a call back but was told that I would need to email a copy of my credit report to XXXX XXXX to get the issue resolved. I emailed a copy and detailed what was happening. I also left a voicemail, which was not returned. 

After receiving no response from Ms. XXXX, I called her again, and again received no response. Customer service attempted to transfer me to XXXX XXXX, and I again was just transferred to voicemail. I have a receipt that shows the payment made on XX/XX/XXXX as well as an image of the cancelled check I used to pay. I need this late payment removed from my credit report and it seems that no one at the bank is responding. 

I have attached copies of my Equifax credit report and cancelled check used to make the XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my credit report and found multiple errors. I reached out to the CRA to remedy the issues and they have not responded to me.

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 2021-07-22 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 filed a CFPB complaint regarding this issue previously in XXXX of XXXX, but I now have further evidence which supports my claims. 

There is an inaccurate Bankruptcy being listed on my credit reports which I have been disputing since XXXX of XXXX. XXXX  did remove the account but XXXX  and Experian still have it listed on my credit reports. 

I confirmed with the bankruptcy court that they do not report anything nor verify anything as accurate with the bureaus ( see confirmation attached ). Once I told Experian this, they claim they verified the bankruptcy as accurate through XXXX. XXXX currently has a security freeze placed on my consumer report so they are not sharing information with the bureaus, so I determined this to be a lie from Experian. Regardless, I alerted XXXX that they had the bankruptcy placed on my account in error. They initiated an investigation and alerted me it was being removed because it could NOT be verified as accurate ( See their letter attached ). 

I provided this new evidence to both XXXX  and Experian on XX/XX/XXXX and neither have removed the account still. They are violating the FCRA by allowing this incorrect account to persist on my report and this needs to be addressed as soon as possible.

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 2021-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
please review the following accounts that appear on my credit report, they do not belong to me, and are hurting me XXXX Account Number : XXXX This is not mine. 
Identity Theft DEPT OF ED/XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF ED/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 
Identity Theft DEPT OF ED/XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF ED/XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation