vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retail Merchants Associates
State: LA

Complaint narrative:
I was reviewing my XXXX credit report that's when I noticed a collection for {$1300.00} from XXXX XXXX XXXX XXXX in which it was turned over to Retail Merchants Ass from XX/XX/XXXX during Pandemic. I remember going in XXXX XX/XX/XXXX from my job but was supposed to have been paid by insurance company. I have a XXXX XXXX XXXX and secondary XXXX XXXX i do not receive bills at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: AL

Complaint narrative:
I order my consumer report and I notice that my rights were violated under the FCRA Section 602 and 604. 

I am the consumer and I have the right to privacy and no one should furnish any accounts on my consumer report without permission or written instructions by 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 2021-06-22 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:
I order my consumer report and I notice that my rights were violated under the FCRA Section 602 and 604. 

I am the consumer and I have the right to privacy and no one should furnish any accounts on my consumer report without permission or written instructions by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
REGIONS BANK # XXXX The balance is correct with this account. I called and Regions Bank and they admitted they did not report the information to the credit agencies. They balance should reflect {$4300.00}. Please correct ASAP!

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 2021-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST HORIZON BANK
State: GA

Complaint narrative:
Iberiabank located at XXXX XXXX XXXX XXXX GA XXXX is a fraud company not a legitimate bank. On XX/XX/21 Their ATM machine # XXXX turned off blank right after I inserted my ATM and entered the PIN number and the amount to get {$200.00} cash. My account was immediately debited {$200.00} for the money I never received from their machine. This is a new kind of bank fraud. When I went inside an employee said : Oh.. yes it happens to noncustomers, but you should eventually get your money back, but I never did. I called them a few times and left them messages, but XXXX XXXX the assistant Branch manager did not even return my call. I am filing a complaint against them to Consumer Financial Protection Bureau with a police report to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group is reporting debts on my credit file that need to be removed. Any medical debt I had has been resolved with the hospital itself. I have asked multiple times for validation of the debt and have received nothing from them. They are in violation under the FCRA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I used this credit card 4 a balance transfer ... b4 it became due I paid them off ... however I sent too much money ..now they refuse to send back the overpayment back to me. I've called numerous times requesting my close to {$1900.00}. Funds in overpayment back to me ... .this credit card refuses to do so ... please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
Mr Cooper purchased my mortgage from XXXX XXXX XXXX  back on XX/XX/2019. 
I have made every mortgage payment in the history of my loan. No late payments no missed payments. 
I purchased my home for $ XXXX total. I put down XXXX bringing my starting loan balance to {$300000.00}. 
To date I have paid {$8700.00} towards principle. I would expect Mr Cooper to reflect my outstanding loan balance as {$300000.00} - {$8700.00} = {$290.00}, XXXX unpaid principal balance. 
Mr Cooper is reflecting my unpaid principal balance as {$300000.00}. 
This is a huge issue and I need someone in authority to correct. 
I have ALL my statements showing every principal payment and amount as well as my starting loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
My identification was taken to fraudulently open a car loan through Credit Acceptance. I did not sign or authorize anyone to do this. Ive tried to dispute with them but they offer no resolution. I was informed the person who opened the account fraudulently called to take full responsibility and yet no resolution. I am not liable or responsible for someone taking and making copies of my information and signing my name without consent to get a car loan. I have disputed this serval times. This happened in XXXX XXXX. Credit Acceptance has not done anything to rectify this matter. I didnt sign to be a joint person on no ones account therefore I should not be held accountable for this.

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 2021-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI

Complaint narrative:
ever sense my bank sold my account to this company its been a nightmare first for the first year I had no idea where to send my payments they where sending my letters to wrong address and had my phone number in there system off by one digit when I try sending my payments no such account existed when I finally found my account i owed them a bunch a late fees I brought my account up to date in XX/XX/XXXX and I started paying an extra {$300.00} toward my 2nd mortgage in XX/XX/XXXX it is automatically withdrawn from my bank account the payment is {$680.00} monthly {$380.00} for my regular payment and extra {$300.00} for principal the company has withdrawn the money and my extra principal is not being applied correctly its shows a unapplied funds moving forward from first contact with company back in XXXX my funds are still not being applied to my principal and now they saying I owe for the month of XXXX and XXXX payments where are my extra XXXX XXXX monthly payments I'm paying this company going I've been patient and called numerous times and keep getting same response for months now that they are working on it and that their cashiers department is aware of the issue so unprofessional and by what I've read on the XXXX  I'm not the only one having this issue with payments not being applied correctly and charging outrageous fees they need to be investigated we have been trying so hard during this pandemic to stay on path with our payments and companies like this thrive off our hard earn money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal request to get my credit information updated due to billing inaccuracies. I have personally spoken to the data furnisher which is XXXX XXXX XXXX  XXXX and they have confirmed they have reported the correct balance statement that closed on XX/XX/2021. The statement balance closed as {$91.00} on account ending in # XXXX. Which is 100 % accurate as reported by the Data Furnisher BUT the issue is Equifax has reported this on my credit as having a balance of {$910.00}. This is inaccurate and XXXX XXXX XXXX  XXXX has confirmed specifically XXXX  XXXX Agent ID # XXXX  XXXX that they submitted over the statement balance for account ending in # XXXX as {$91.00}. They provided verbal and statement showing the correct balance. This appears to be an inaccuracy on the side of Equifax. This has now placed me under financial stress due to the massive credit score drop and it's wildly unfair this is happening. I kindly ask for this to be corrected as reflecting the correct balance of {$91.00} as the supporting documentation/statement that closed on XX/XX/2021 clearly reflects. I have spoken to Reporting Specialist at Equifax ID # XXXX and have verbally informed Equifax of the error to get this fixed as soon as possible. It's still not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I did not give XXXX XXXX XXXX permission to release my information to a 3rd party to collect a debt. That is violation of the Hippa law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a loan with BANK OF AMERICA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BANK OF AMERICA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX and BANK OF AMERICA with no successful resolution. XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.

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 2021-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, Synerprise Consulting Services called my phone number and asked me to pay {$2000.00} in medical debt. They claimed I had a service on XX/XX/XXXX and owed money. They were very stern and didn't provide a lot of information. When I asked what this was for, they could only tell me that I had debt from XXXX XXXX. I asked for their callback number. 

On XX/XX/XXXX at XXXX XXXX, I called Synerprise Consulting Services and asked what name was associated with my phone number. They told me it was my name, but it was not associated with my birthdate. Therefore, they said they had the wrong person. I asked how they obtained my phone number since the debt and services were not associated with me, and they said a third party service provided the number. It seems like it should be illegal for Synerprise to query a list of names and get phone numbers. The phone number should come from the medical provider of the original services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
As of XX/XX/2021, PNC has not moved to open Covid foreberance, not allowed my PPP 2nd application ( which has been approved in XX/XX/2021 ) to be processed and not allowed a business checking account to be given a credit card instead moving the card application to the personal checking account which would not allow for purchase of business property with Covid relief packages through various DC local programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: Paypal Holdings, Inc
State: MD

Complaint narrative:
I received a limitation on my account early last year then i was notified in XXXX of XXXX that my funds would be released after being held for 180 days. When i contacted them after the 180 days they then again told me i had to wait an entire 180 days again. Yet here i have waited and contacted them today XX/XX/XXXX my funds have been held for over a year and they will not release them to me. Please help me i need this money for my family and i have waited and called the service department over 15 times and no one has any answers for me. The amount is {$8100.00} i would really appreciate it if you can get my funds to me as soon as possible thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX # XXXX The balance is correct with this account. I called and XXXX XXXX and they admitted they did not report the information to the credit agencies. They balance should reflect {$4300.00}. Please correct ASAP!

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 2021-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have a credit card from US Bank and they have reported 30 day late payment in XXXX of 2020. I was not late and have tried to get them to look into but I am not getting anywhere.

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 2021-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
Outsource Receivables is collecting on a debt I do not owe. I called and spoke with them regarding this debt currently reporting on my credit file, which is how I found out about this debt. Once I validated this debt I immediately paid it. I was not once notified about this debt through phone calls, notifications, or letters. I spoke with a representative and they had my incorrect address. 
Not sending me any letters violates my 30 day right to dispute and I demand they remove this account off my credit. They did not have my correct information and I did not receive my RIGHT to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a loan with MACYS/XXXX and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called MACYS/XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX and MACYSXXXX with no successful resolution. XXXX XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.

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 2021-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union continues post transactions out of order on my checking account. They are not following the posting schedule and I believe they are doing this to collect more overdraft fees. They do not widely advertise the posting schedule I had to request a supervisor to tell me the schedule because the first representative did not know. This is deceptive practice. They are capitalizing off of people financial hardships during a pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a loan with SYNCB/OLDNAVY and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCB/OLDNAVY and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX and SYNCB/OLDNAVY with no successful resolution. XXXX, XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.

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