vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GB Collects, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX mistakenly sent me a check ( # XXXX ) for {$360.00}, which I deposited, reference medical claim XXXX XXXXXXXX. They later sent me a letter stating they had made a mistake sending me the check, and the check should have been sent to the provider. I mailed XXXX XXXX XXXX  a check to repay the amount ( XXXX XXXXXXXX ) dated XX/XX/XXXX for {$360.00}. XXXX cashed that check on XX/XX/XXXX ( back of cleared check is stamped with deposit XXXX XXXXXXXX ). I have a copy of the cleared check. On XX/XX/XXXX XXXX turned the {$360.00} alleged debt over to collections company GB Collects, who is now attempting to collect the alleged debt. I contacted XXXX who said they would need some time to figure out what the situation is. Meanwhile, GB Collects continues to attempt to collect a debt that I do not owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: NC

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.

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 explanation
Consumer complaint received 2023-07-19 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2023-07-19 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: AZ

Complaint narrative:
back on XX/XX/XXXX i sent a letter to the credit company transunion and still have yet to get a response regarding my dispute and was completely ignored by the company.

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 2023-07-19 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: AL

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.

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 explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
Previously disputed account with XXXX asking to verify or delete because I do not recall having this debt. Account reported only by XXXX and stated as Closed account payment status of collection charge off with a credit limit of {$250.00} and last payment done XX/XX/19. Reporting account purchase by another lender. I hav not received any document stating my signature making me responsible to this debt... ..*Credit report is currently reporting account with all three bureaus and stating account as closed while derogatory and collection by XXXX while Open, derogatory and collection by XXXX and XXXX all at the same time. There is no way that account can have a balance of {$470.00} if credit limit was showing as {$250.00} Currently account is reporting as account in collection with a pass due. There should not be payment history, pass due nor late payments reporting especially on a dead account. XXXX is reporting consecutive charge off on a closed and dead account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for gal purpose.

5

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

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 2023-07-19 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: MO

Complaint narrative:
i am trying to buy a house and this information is unauthorized and incorrect

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 2023-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Credit Card Issued : XX/XX/XXXX Credit Card # : XXXX Seller : XXXXXXXX XXXX XXXX  Creditor to whom debt is owed : Portfolio Recovery Associates , LLC XXXX : {$1700.00} I was first contacted by Portfolio Recovery Associates , LLC in XXXX and they indicated they would take me to court or garnish my credit as i owed them money. I went ahead and made a {$300.00} payment and never heard back from them, they stated the amount at that time was a little over $ XXXX. 

On XX/XX/XXXX they sent me a letter stating I still owed them monies in the amount of {$1700.00} for a XXXX XXXX XXXX credit card ( XXXX ) issued in XX/XX/XXXX. I contacted their offices and reminded them they statue of limitations for the state of California is 4 years, and they had contacted me 8 years later in XXXX demanding payment with an ability to garnish my credit or sue me. 

My debts were also XXXX by the court in XXXX, CA in XXXX via XXXX XXXX XXXX 

I would like them to stop harassing me with calls and correspondence as this was already resolved via XXXX and also the state limitations for California. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patient Accounting Service Center
State: TX

Complaint narrative:
Disputed a debt.no information or no copy of actual debt..harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I was notified of the debt threw a withholdings from my employment. They made the payments as per the notice yet the balance still shows as not paid in full and has been for over 2 months. They still claim a balance even though I have a letter of release and stop of withholding from the Sherifs office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: KY

Complaint narrative:
I received an email stating that my chime account had been closed. I had over XXXX dollars in the account and need that money to live and pay bills. When I requested a response from them they said contact them through email and wanted paystubs and my id to verify my identity. I have yet to hear anything back from them regarding this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My father, XXXX XXXX, had two accounts with Wells Fargo, checking and savings. I was named beneficiary on the accounts in about XXXX. In XXXX I was named XXXX of Attorney. My father died XXXX XX/XX/XXXX. I called Wells Fargo to report his death and was instructed the accounts would be frozen, and that I should present a certified death certificate to access them. I took the death certificate to the branch at XXXX XXXX XXXX XXXX VA the second week of XX/XX/XXXX. The banker ( I did not document her name ) received the certificate and appeared to scan it into her system. She stated I was POA, which expired on death and that I could only access the account once I opened probate and was designated as personal representative. I questioned her and she asserted that I was only POA and had no standing to access the money. 

I retained the services of an attorney, paying a deposit from my personal funds. The sole reason for doing do was to secure release of the funds from Wells Fargo ; all other assets from other institutions having been released to my sister and me. There was no real or personal property involved. Upon receiving documents from the court naming me as personal representative, I made an appointment at the branch office, XXXX XX/XX/XXXX, at XXXX XXXX XXXX VA. I explained that I wanted to close the accounts and receive the funds. The banker started to process my request and asked who had told me I was not the beneficiary on the account ( obviously wondering why I had produced the court paperwork ). I told her that it was an employee at another branch. She then stated that I was, in fact, the beneficiary. She notified her XXXX and they indicated they would make an internal inquiry and note concern that I was not properly advised. I received a check for the funds that day. 

Because probate can not be stopped we had to continue through the process. My sister and I did not have use of the funds during that time ( until XX/XX/XXXX ). The attorney 's fees and associated costs of probate were {$3300.00}. I have been in communication with Wells Fargo 's XXXX XXXX on numerous occasions beginning in XXXX XXXX, requesting reimbursement for those expenses. The complaint has been closed numerous times, with instances of employees making misstatements about the case and implying I did not provide information they needed. The case is active again, but I have not been asked for any documentation about probate. Those details substantiate the amounts advanced for fees and also support our claim that probate was only necessitated by the inaccurate guidance given by the Wells Fargo employee in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: CA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry.

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 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account 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 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: WA

Complaint narrative:
on XX/XX/XXXX i received a call that stated i needed to provide a copy of my lease, or a utility bill to verify my address. They would not accept the business license, they let me open the account with. So they have frozen the funds. I provided them with the information they required to unlock the funds. they are telling me now today, XX/XX/XXXX, that it will be up to 2 weeks untill my funds, are unlocked. These are business funds, I am unable to work untill this account is unlocked. I have been a customer at the bank for 10 years. I am not a criminal. I provided them with all the information they requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: NY

Complaint narrative:
Yesterday, XX/XX/2023, I received an email from XXXX that said that my credit score had decreased by XXXX points. When I logged in to my XXXX account, I was notified that just prior to that score decrease, there were XXXX new notifications regarding my Department of Education/Nelnet accounts XXXX 

One notification said that my CREDIT USAGE increased 145.98 % with the previous limit being {$3900.00} to the new limit of {$18000.00} ( Nelnet ). 

One notification said that my CREDIT LIMIT increased from {$3900.00} to {$18000.00} ( Nelnet ). 

The third notification said that I had a BALANCE INCREASE from {$4600.00} to {$27000.00} ( Nelnet ). 

I have not made any new loans, nor consolidated loans anytime in recent years. 

I called Nelnet to investigate. They said that their reporting style had just changed this month. And that they now report some loans as combined. The customer service agent said that they have done this with the intention to help improve some loan holders credit scores. It seems to have had the opposite effect on my credit score. 

Since there is no real change in my loan accounts except for the way that they are being reported, I believe that XXXX and other credit bureaus should not negatively alter my score. 

Nelnet has suggested that I send a letter to XXXX showing them a summary of my loans. Nelnet calls this a Mortgage Letter because they usually provide this for loan holders who are also seeking mortgages elsewhere. I am attaching this here. 

It shows that the loans are still separate and no change has occurred in their amount or structure and that there are no new loans for years. 

Can you please help me get my XXXX points back? 

Best Regards, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
After I refinanced my mortgage, I got notification that my loan would be serviced by SLS. On XX/XX/, I received a letter in the mail saying that my loan was transferred to XXXX XXXX  XXXX and that any payment due on or after XX/XX/XXXX  should be directed to XXXX XXXX XXXX. This letter was generated XX/XX/XXXX, 1 day before the effective transfer date, and didn't get to me until 2 weeks after transfer date. By that time, I have already submitted my payment to SLS online on XX/XX/XXXX which already drafted from my bank account. 

According to SLS eStatement, the amount I have due for XX/XX/XXXX  ( when mortgage was not yet transferred to XXXX ) is {$0.00}. There was no option for me to pay anything online bc nothing was due on XX/XX/XXXX. 

On SLS eStatement for XXXX, the amount due was {$5500.00}. This payment was submitted via XXXX website on XX/XX/. 

When I called XXXX on XX/XX/XXXX, the representative on the phone said she did not have any record of payment. After I sent the proof of draft from my bank, she just said we dont have it. She said everything was transferred over to XXXX. 

I called XXXX who said they did not receive any payment from SLS. 

According to XXXX  statement, I now owe them 3 months worth of mortgage by XX/XX/XXXX - {$5500.00} for outstanding XXXX payment ( even though SLS statement said I owe {$0.00} and the loan was not transferred to XXXX yet at that time. XXXX said that this amount came from the fact that SLS forwarded the loan over as XXXX being overdue ) - {$5500.00} for outstanding XXXX payment ( even though I already paid SLS ) - {$5500.00} for upcoming XXXX payment This is obviously not a non-trivial amount. 

I contacted SLS via email and received no response. 

I contacted SLS via phone, waited on hold for 30 minutes, then got to an agent, who then disconnected my call. 
I called back on the same day, got through to an agent who was unable to help. I asked to be transferred to a supervisor, the agent said she would do so, only to then again disconnect my call. 

SLS has made no attempt to take responsibility for the inaccurate eStatement generated or to help the consumer reconcile the discrepancies.

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