vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 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: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
I am XXXX XXXX  XXXX person, I have SSA and XXXX coverage, I was forced NOT voluntarily to the Hospital. They must bill XXXX, its not fair to put me in a Hospital against my wish and then put me in a collection., i even did Not received any bill or notices because father moved me other location. One of the creditor ( put same amount for same day of service 10 times ( XXXX XXXX XXXX XXXX {$200.00} / XXXX XXXX XXXX XXXX ),. I am XXXX, have insurances, forced to the Hospital Involuntarily, i have no idea what my insurance paid., i have no idea i was put in a collection., i am unable to rent anything.., get more depressed. Can you please help me in this matter.

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 2021-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In XXXX, 2021 ; XXXX XXXXXXXX suspended my credit card account because I mistakenly paid my monthly bill w/my old XXXX card, which I neglected to throw away when I received my new XXXX card. Upon finding out it wasn't accepted, I realized my mistake & made the payment w/the correct XXXX card. It was a simple mistake. I then called and asked how do I get my account un-suspended. I was told to write a letter explaining the situation. I was also told by the associate on the phone that until my account becomes un-suspended, I don't have to make monthly payments. Upon mailing the letter they requested, I waited ... ... for 3 weeks! I then called & was told that my letter they requested w/the information they requested wasn't good enough & now they want proof that the card used was mine. I made a copy & mailed it to them, as they requested. I waited another 3 weeks & called and was told they didn't receive my 2nd letter. It was mailed to the same address as the first. So ... .I mailed another copy. 3 weeks passed and I called again & was told they still haven't received the letter. So ... ..I mailed another copy ( this is the 3rd time ). I waited another 3 weeks and again was told they didn't receive it. All this time, they have told me that they only can have proof mailed to them. This last time calling, they now tell me that I can email them. Why am I hearing this email solution now & not at the beginning of this situation ( because I keep on talking to associates who have no idea what they're doing ). Now they have reported a delinquent notice to my credit report. This is fraud, plain & simple. 
This company informs me of what I have to do to clear this up ; I follow their way, 3 TIMES,, and they still say they haven't seen my letters, all mailed to the same address as the 1st address that THEY RECEIVED. Then they say I can email my proof, something they never said I could do in the beginning. Then they report me as delinquent on my credit report.

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 2021-07-28 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian continue to report inaccurate and false information on my credit report with account XXXX. Experian has violated the Fair Credit Reporting Act by not deleting this inaccurate information after I have clearly point out the inaccurate information directly from the credit report. This is a violation of the FCRA.

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 2021-07-28 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: OH

Complaint narrative:
This Account is closed and is reporting incorrectly. 

For that reason, it should be removed immediately. 

I have tried to get this account removed because it is Closed. It isreporting incorrectly across all credit reporting agencies. This violates the credit protection act and calls for removal right away. 

Reporting Balanced Updated XXXX XXXXXXXX, XXXX on XXXX & Trans union Then reporting Balance update XX/XX/XXXX on 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 2021-07-28 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: OH

Complaint narrative:
This Account is closed and is reporting incorrectly. 

For that reason, it should be removed immediately. 

I have tried to get this account removed because it is Closed. It isreporting incorrectly across all credit reporting agencies. This violates the credit protection act and calls for removal right away. 

Reporting Balanced Updated XXXX XXXXXXXX, XXXX on XXXX & XXXX XXXX Then reporting Balance update XX/XX/XXXX on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant & Weber
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX I pulled up a copy of my credit report and seen there were some accounts that are not mined and will need them removed. According to the provisions of the FDCPA 15 U.S. Code 1692g - Validation of debts and Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The following accounts in dispute are listed below : GRANT & WEBER # 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 2021-07-28 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: OH

Complaint narrative:
I have tried to get this collection removed because it should not report on my reports. 

Since it is reporting incorrectly and breaking fair credit protection laws. 

XXXX Reporting XXXX, XXXX XXXX XXXX Reporting XX/XX/XXXX Equifax XXXX XX/XX/XXXX But they keep hassling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Company : Transunion I have attempted to cancel my subscription with them for many months. First, I tried to call and was placed on hold. Then when an operator picked up my call, I told them I wanted to cancel and they disconnected. 

Then I tried to use their online form at this link : https : XXXX When I logged in, the page doesn't advance - it keeps looping. 

Then I sent a message on XX/XX/2021 through their site to keep from being charged in XXXX. They said they would send a confirmation to my email. It never happened and they charged me again today. 

They have intentionally made it difficult if not IMPOSSIBLE to cancel the subscription and have been taking {$26.00} out of my account for months. 

I had to cancel my debit card today to change the number just to keep them from charging 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 monetary relief
Consumer complaint received 2021-07-28 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: OH

Complaint narrative:
I have tried to get this collection removed because it should not report on my reports. 

Since it is reporting incorrectly and breaking fair credit protection laws. 

XXXX- Reporting XXXX, XXXX Transunion XXXX Reporting XX/XX/XXXX XXXX  - XX/XX/XXXX But they keep hassling 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 2021-07-28 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: OH

Complaint narrative:
I have tried to get this collection removed because it should not report on my reports. 

Since it is reporting incorrectly and breaking fair credit protection laws. 

Experian- Reporting XXXX, XXXX XXXX  - Reporting XX/XX/XXXX XXXX  - XX/XX/XXXX But they keep hassling 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 2021-07-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kentucky Higher Education Assistance Authority
State: NC

Complaint narrative:
My credit is being ruined by a collection agency which I have no knowledge of or an account with yet they are being allowed to take fraudulent activity and have sent no verification of proof of the debt like I asked

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I perform a credit transaction with XXXX XX/XX/XXXX. I notice that there was a loan application with American Credit Acceptance which I do not agree with. I am a consumer/natural person and my rights have been violated. I have reached out to American Credit Acceptance XX/XX/XXXX stating my rights and federal laws that they have violated. State laws does not trump federal law. 1 ) They have violated TILA 15 USC 1605 Determination of finance charge. The finance charge does not include charges of a type payable in a comparable cash transaction. They required that I pay {$800.00}. They have also violated 15 USC 1611 ( 1 ) Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, There is no limitation on fraud. They also violated 15 USC 1640 ( a ) ( 1 ) Individual or class action for damages ; amount of award ; factors determining amount of award Except as otherwise provided in this section, any creditor who fails to comply with any requirement imposed under this part, including any requirement under section 1635 of this title, subsection ( f ) or ( g ) of section 1641 of this title, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of the failure ; The list goes on and on. They haven't responded to my letter and one of the agent signature the certified mail receipt. They continue to call and harass me for payment when they are committing fraud. I have discussed with an attorney and I expect an cancellation of this contract and my title in hand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Santander customer and XXXX XXXX XXXX which is the same debt!! However Santander Consumer was apart of multiple state class action lawsuits were the judge ruled in the consumers favor that Santander consumer had to buy back or cancel the debit of all the subprime loans and pay restitution to the consumers! I was apart that lawsuits I have received my check however the debt is still on my credit report plus they sold the debt to XXXX XXXX XXXX and it on my credit in fact its still in collections in they are trying to collect the debt from me however the judge rule that Santander must buy back the debt in wipe it from my credit that hasnt happened! Total amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I tried to login to my account online as i normally do, but it was locked for some reason, and I was informed from the page to call a number to speak with a rep. I did. Multiple times. When i say multiple, I don't mean 5 or 6 times .... I would say an amount that would be looked upon as an exaggeration. Each experience would lead me to being transfererred 5 or more times and finally get someone in the Eastern hemisphere talking to me on their cell phone in a bathroom. After a couple of days of trying, finally I was able to get through to a rep to just pay off the balance and have a new card mailed to me. At this point ( XX/XX/01 ) I have a XXXX balance. 2 weeks later they reduce my spending limit. This causes my credit score to drop from XXXX to XXXX. Yesterday I receive a letter in the US mail from Chase saying I owe XXXX dollars and to call a number. I did. 3 times only to have the phone tree hang up on me. I called the number on their site to make sure I wasn't falling prey to a phishing scam, and sure enough I was told I owe XXXX dollars and then transferred. I ask the nice XXXX XXXX man on his cell phone in his bathroom, how can this be? My new credit card is in my office desk and not even activated. He tells me sometimes they are sent to customers preactivated ...??? Not sure what that means. Now at this point I just want to be done and pay the so-called balance so its done. I'm refinancing my home and I am afraid this mess is going to have an adverse effect on me. I can't even call and get this bogus charge paid. Can you help? There isn't a branch near me so I can't walk in either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I noticed I have inquires That I did not request reporting on my credit report. They should be taken off right away.

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 2021-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal.com limited my 3 accounts without prior notice in XX/XX/2021 and held {$22000.00} USD total balance for 180 days. PayPal support promised several times that they will release my funds after the 180 days pass. PayPal acted in bad faith and stole my hard earned money under the false claim of nonexistent damage. There was never any damage and PayPal took random arbitrary amounts to empty my balances through an obvious automated process at the 170 day from the initial account limitation for each account. I'm just offering social media marketing and management services. I never used any copyrighted material to promote my business and have never broken XXXX. All accounts legit and matching my passport. Transactions Details : - Account 1 : ( Date : XXXX XXXX, XXXX ) ( Transaction ID : XXXX ) ( XXXX USD ) - Account 2 : ( Date : XXXX XXXX, XXXX ) ( Transaction ID : XXXX ) ( XXXX USD ) - Account 3 : ( Date : XXXX XXXX, XXXX ) ( Transaction ID : XXXX ) ( XXXX USD )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have submitted multiple requests to dispute multiple items on my credit report and Transunion has not done their part in making sure that the information on my credit is accurate. I am attaching a list of items that they failed to address. I am asking that Transunion does their part and removes these inaccurate accounts from my credit report.

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 2021-07-28 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: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
I am XXXX XXXX  XXXX person, I have SSA and XXXX coverage, I was forced NOT voluntarily to the Hospital. They must bill XXXX, its not fair to put me in a Hospital against my wish and then put me in a collection., i even did Not received any bill or notices because father moved me other location. One of the creditor ( put same amount for same day of service 10 times ( QUALITY ASSET RECOVERY L {$200.00} / XXXX XXXX XXXX XXXX ),. I am XXXX, have insurances, forced to the Hospital Involuntarily, i have no idea what my insurance paid., i have no idea i was put in a collection., i am unable to rent anything.., get more depressed. Can you please help me in this matter.

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 2021-07-28 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have been trying to rectify my credit for a few months now and I have reached out to Experian about incorrect accounts reporting on my credit report and they failed to conduct a proper investigation in making sure that only accurate items were on my report. I have gone through the exercise of jotting down each inaccurate account on my report here in hopes that Experian will finally fix them by removing these inaccurate accounts from my credit report.

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 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TreeMac Funding Group, LLC
State: TX

Complaint narrative:
I received a voice mail message from a restricted phone number from XXXX XXXX, who claimed to be processing paperwork for her client. She threatened to negatively impact my employment by trying to embarrass me at my place of work by delivering her paperwork to my supervisor or a " high level member of security. '' I called the number she left on my voicemail, XXXX. I was given the case number XXXX. 

I called the number and spoke with XXXX XXXX, who said he works for a company called XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, in XXXX, TX. 

After multiple XXXX searches, i couldn't find anything to verify that this company is even real. 

After telling XXXX XXXX that I would not be giving him any money, i received another call from XXXX XXXX, who was supposed to be bringing me, according to XXXX XXXX, " important paperwork '' regarding the matter. 

XXXX XXXX never showed up, so I called XXXX again and spoke to XXXX XXXX. He disconnected the call after I made it clear that I don't believe this is a real company. 

When I called back, i was immediately transferred to the " Operations Manager '' that could not provide me the name of their client or the name of the company XXXX XXXX works for. 

After I made it clear that I believe I'm being scammed, he disconnected the call. 

Further calls go to voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: MA

Complaint narrative:
I have been trying to rectify my credit for a few months now and I have reached out to Equifax about incorrect accounts reporting on my credit report and they failed to conduct a proper investigation in making sure that only accurate items were on my report. I have gone through the exercise of jotting down each inaccurate account on my report here in hopes that Equifax will finally fix them by removing these inaccurate accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have 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 an investigation results.

Company response to consumer: Closed with explanation