vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
It has been a few years that this Company Account Resolution Service has harassed me in an attempt to collect a debt that doesn't belong to me. They have sent me billing for amounts owed and I've sent them certified paperwork stating to them that the debt isn't mine 3x as well as the bureaus. I have stated to the parties involved that I in fact do not refuse to pay a debt that I owe, but that I would need proper validation e.i. ( 15 usc 1692g ) as a consumer and a working middle class law abiding citizen I in fact have that right of decency. The company has yet to respond to my request of providing me competent evidence that this debt is mine in association with them. I have no legal binding contracts with Account Resolution Services, I have never made any verbal or written agreements with the company. ARS claims that I am in debt to them in the amount of {$1100.00}. I have and medical Insurance and has always had medical insurance. I has gotten to the fact that it is affect my credit score horribly. I have in endured this emotion suffering thru anxiety because I have exalted all corners to get fair practices thru consumer rights, at this point this is my last route before I pursue legal litigation in this matter because it is also starting to affect me financially on top of the aspects of the Covid19 devastation which has directly affected me and my family. these agressive practices should not be aloud amongst consumers.

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 2021-04-27 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: AL

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: River City Mortgage LLC
State: IL

Complaint narrative:
XXXX XXXX ( NMLS ID XXXX ) from XX/XX/XXXXcontacted me to refinance my loan. He said that we could remove the PMI from the loan and save me on my monthly payments. 

He was stating stating my new monthly payments would be {$1600.00} and provided me with a Loan Estimate. Leading into the closing, it was never addressed that my monthly payments would be any different. 

On XX/XX/XXXX, we had our closing schedule. While going through with the closing, I noticed that the new monthly payments had changed to {$1800.00}. 

I stopped signing the closing papers and called XXXX XXXX. He said he didn't get a chance to look at the documents before the closing and that he didn't have access to his PC as it was being worked on. 

I did not hear from him until later asking to have a conference call with him and his boss on XX/XX/XXXX at XXXXXX/XX/XXXX 

They finally called me on XX/XX/XXXX ( they were late ). During the call they were saying that the taxes in the area had risen significantly and this is the reason why. They said they had used the taxes from XXXX to do my estimate. They then continued to try and tell me that my existing mortgage company is not taking enough out in my escrow and that if I did not move forward with XXXX XXXX Mortgage, I would be short by more than {$1000.00} on my taxes for the next tax payment and that when that happened my existing mortgage company would either demand that I pay in full or spread it out in 6 months and that I would be better off moving forward. I asked if we could wait until Monday so that I could talk to my existing mortgage company before scheduling the closing and they said No. If I did not schedule the closing for Monday, it would be too late and that I would have to pay my Mortgage for XXXX and would not get the 2 month break on paying my mortgage like they promised me. So I said to go ahead and book the new closing for Monday, XX/XX/XXXX. 

I then spoke to my husband about everything and we both agreed this did not feel right and to cancel the entire thing. So I emailed XXXX XXXX on Saturday, XX/XX/XXXX around XXXX XX/XX/XXXXCST and told that we decided not to move forward and to cancel this. 

I spoke to my existing mortgage company today XXXX XX/XX/XXXX XXXX to discuss my XXXX account. They said they just did an analysis on it last XXXX and they believe they are in line with my estimated taxes for the year. 

I also noticed that on the Closing Disclosure, the closing costs where {$2000.00} more than what was on the Loan Estimate and this also was not disclosed to me before the closing. 

If I had moved forward with River City Mortgage, my monthly payments would have risen by {$10.00} more a month, even though I would no longer be paying PMI. I feel that they tried to do a bate and switch on me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going i am not sure if this is some mistake as I assumed it has to be. I have not been able to get from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I use PayPal quiet frequently

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: PA

Complaint narrative:
A recent application for credit made me aware that my credit score was being effected by what all 3 credit agencies label as " proportion of balances to credit limit is to high on bank revolving or other revolving accounts '' or " amounts owed on accounts is too high ''. These statements do not accurately reflect the true status of my credit, as all accounts are paid fully each month. Upon investigation, I find that XXXX XXXX is providing what I consider to be false statements concerning my high balance. For my XXXX credit card balance, they stated to all 3 agencies " High balance of {$14000.00} from XX/XX/XXXX to XX/XX/XXXX ''. The balance stated for my XXXX limit card is also inaccurate for the stated period. The high balance they are seemingly reporting occurred in XXXX of XXXX, and was paid off that month. I have attached my complaints to XXXX XXXX, their reply, and a typical example of the credit report that XXXX XXXX is providing to all three credit agencies. 
From XXXX XXXX 's reply letter of XX/XX/XXXX, they state that the high balance they report is correct, and that it represents the highest credit balance since the account was opened. If this is a true statement that represents the credit reporting industry standards, I need to understand how your agency is interpreting the data they provide. Could your please provide answers to the following questions. 
1. Why my accounts were determined to be " high amounts owed on revolving accounts ''? What factors are integrated into your formulas. 
2. Does your credit score system recognize that the high balance being reported is from XX/XX/XXXX. 
3. Are monthly paid balances accounted for in any of your credit scoring procedures. 
4. XX/XX/XXXXstates they use the highest attained balance as their reported " high Balance ''. Do all similar credit reporting companies apply the same strategy, or do some use a 12, 24, or 36 month rolling high credit balance to more accurately reflect recent credit utilization patterns. ( Please provide detailed answers )

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 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I called and explained to them due to Covid Im not employed at the time to put me ins program to help me the lender said they dont have a program although my house is in XX/XX/XXXX, Also my lender keeps reporting my nonpayments to the creditors which is dropping my credit score down too much reducing my score this isnt right when I explained to them my situation I have no income to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
The owe me escrow monies since I am a 100 % permanent and total XXXX veteran. They held onto a majority of it for months. I called daily, left emails. They never answered. They sent me some of the escrow money but continued to hold some even after the original letter from the city stating Im exempt from ALL property taxes. They said they sent it weeks ago the remaining balance of about {$270.00}. Along with that, the last two months the charged me over that amount on my mortgage so that amount does not make sense. I have tried so many times to contact them and they never answer. I do not recommend this company to ANYONE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation
State: IL

Complaint narrative:
1. HOMEPOINT called me on XX/XX/2021. 
- I received a phone call on my personal cell phone number from a woman that did not identify herself, but she was asking me to identify myself. This immediately triggered my suspicion that this was a illegitimate phone call. 
- After I insisted that she identified herself, she said she was calling from HOMEPOINT, a mortgage company, about my application for a mortgage refinance. I NEVER REQUESTED OR APPLIED FOR A MORTGAGE REFINANCE WITH HOMEPOINT. At this time, I TOLD HER I WAS NOT INTERESTED in refinancing and hung up.

2. Homepoint emailed my personal email address on XX/XX/2021. 
- It is unknown how they obtained my email address or phone number. 
- The email with subject line : " important information about your mortgage '' requested that I register in their website and " view your loan information '', essentially suggesting that I had a loan with them, WHICH I HAVE NOT EVER HAD. 
- I called the phone number in their email. The automated reply stated that I had an account with them associated to my phone number. AGAIN I DONT HAVE AND HAVE NOT EVER OPENED AN ACCOUNT WITH HOMEPOINT. 
- After navigating through the menu, the automated operator constantly asked me for my last four SSN digits, and in one occasion it asked for my full SSN. I did not provide those.

- I finally reached a representative to confront about the fact that I do not have an account with them, but he suggested that I might have to find out if I need to pay HOMEPOINT instead of my current mortgage servicer. 
- The HOMEPOINT representative, myself and a representative of my current lender servicer had a three-way phone conversation. My current servicer asked for my SSN last four digits, and at this time I hung up as I did not want to provide them with the HOMEPOINT representative on the line. 
- I called my current mortgage servicer, and verified that my account is in order and I am still making my mortgage payments to them. 
- I unsubscribed from HOMEPOINT emails using their very obscure " unsubscribe '' link at the end of their email. 

Clearly, HOMEPOINT was using deceptive tactics to : 1. Get sensitive, personal information from me.

2. Trick me into starting a refinance with them, which I was not interested.

3. Trick me into giving them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: MD

Complaint narrative:
Submitted a dispute with Equifax and there are still inaccurate information being reported on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XXXX, I went thru the steps to legally change my name to protect my identity. As part of my legal name change, I notified and took the needed steps to change my name with the New York State drivers license office and the Social Security office. I also took the steps to change my legal name with the United States Department of State and received an updated United States Passport Card. See attached # 1 for my updated IDs. 



I have notified Experian a number of times in the past about my name change. At one point, I thought they changed my name like XX/XX/XXXX andXX/XX/XXXX did but now I think they did not. I recently applied for a new credit card and the lender pulled my Experian credit report and then denied me and told me I had no open credit reporting. This is wrong, I have open credit. This led me to obtain my credit reports to review them last month. Based on these XXXX credit reports, I confirmed XX/XX/XXXX and XX/XX/XXXX are accurately reporting my new name and they are reporting my open XX/XX/XXXX credit card. I opened my XXXX XXXXXX/XX/XXXX card in XX/XX/XXXX, and I maintain a perfect payment history with them. See attachments 2-6. 



In viewing my XX/XX/XXXX Experian credit report, I noticed they still have my name wrong. They have my old name reported, XXXX XXXX. I have disputed this wrong name with them in the past as well as provided them with proof that this is no longer my name. This report also confirms that I have No open accounts reported. See attachments 7-9. I do have an open XXXX XXXXXX/XX/XXXXcard. XXXX XXXX confirmed to me that they are reporting my payment history to Experian. I believe Experian is not accurately reporting my XXXX XXXX credit history since they have failed to update my legal name and as such, they are not reporting my open credit. 



I need Experian to update my name and for them to report any accounts I have open now, or in the future, on my credit report. Their lack of fixing my name is causing me to get denied for new credit that I need. I have attached all the information needed to see how their reporting is in error.

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 2021-04-27 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: ALLIANT CREDIT UNION
State: SC

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT, THE RESULT OF THAT SEVERAL ACCOUNT WERE OPEN UNDER MY NAME. 
ALLIANT CREDIT UNION # XXXX ... XX/XX/XXXXXXXX XXXX XX/XX/XXXX# XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX. 
XXXX XXXX # XXXX,XX/XX/XXXX # XXXX. 
XX/XX/XXXX XXXX # XXXX ... .XX/XX/XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX # XXXX XX/XX/XXXX # XXXXXX/XX/XXXX # XXXX ... XX/XX/XXXX# XXXX ... 
XXXX XXXXXX/XX/XXXX XXXX # XXXX,,, XXXX XXXXXX/XX/XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I received a email from Chime bank saying that my account was suspended for suspicious activity. They never stated what activity. In the email they requested copies of my state issued Id and another form of proof of address and a explanation of the funds in the account. I supplied all information the same day I got the email. I never heard back from them for a week. I called and emailed every day. I finally got a email back from them saying they were closing my account and I was not due a refund. And they could not give me any more information. I tried calling several time and can not get through to a live person. Meanwhile my income tax both federal and state are in the account and Im they telling me I cant get my money with not explaining how is this even possible. I submitted everything they have asked of me more than once and I have yet to hear back from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received an alert from my credit card where I am signed up for a credit monitoring service that said I had a hard inquiry on my credit report from Ally Financial and it says it was in reference to a new account. I called them on the XXXX to see why they had made an inquiry on my credit for a new account since I did not open any new savings accounts with Ally Financial and I bought my car on XX/XX/XXXX which coincides with my new account with Ally Auto since I have my car loan with them. Prior to me buying a car they have never made a hard inquiry on my report since I only have savings accounts so I was confused. I called Ally to ask them why this was the case and they stated that it was my dealership, XXXX XXXX XXXX, that made the inquiry on my account since Ally only buys loans. So I called my dealership and they said that no they did not make this inquiry since I bought my car in XXXX and they only keep my finance data for a short period of time. Additionally, if someone would have came in the dealership using my social security number it would have been flagged. So I called Ally back and relayed this to them and they still could not give me an answer. I asked them if they kept a record of who submits inquiries to them about buying a car loan and one person told me no but then another person told me yes and sent me to the credit part of the company but no one answered my calls. Additionally, I was refunded {$500.00} from the dealership because I cancelled a service I bought with my car and they sent a check back to Ally and the check has cleared but Ally has no record of it. I have email correspondence and can show phone record proof of my multiple calls to Ally. I am so frustrated because they will not give me an answer on these two issues.

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 2021-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: LA

Complaint narrative:
I been XX/XX/XXXXsince XXXX and someone has gotten access to my debit card and personal information and been taking all my money out my account and making purchases online

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