vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
I underwent a XXXX XXXX on XX/XX/21. This was improperly coded and thus I was billed for the procedure. I contacted the hospital where the procedure was done and asked for it to be correctly billed. The XXXX billing company, XXXX XXXX XXXX XXXX sent a bill. I contacted them regarding the claim and asked that they resubmit with the correct information. I did this in writing by returning the bill that was sent with a note attached stating that XXXX was reviewing the corrected claim. Despite this I received a letter from " The Thomas Agency '' of XXXX ME dated XX/XX/21. The letter stated the account was with " us for collection. '' I promptly called the Thomas Agency and was told rather rudely that I would have to have XXXX XXXX XXXX XXXX rescind the collections request. I spoke with XXXX at XXXX on XX/XX/21 who said she would immediately send an email to The Thomas Agency rescinding the request for collections. Despite this action I received another letter from the Thomas Agency on XX/XX/21. I promptly called XXXX on XX/XX/21 and was told another email would be sent and followed up with a call to The Thomas Agency on XX/XX/21 once again stating XXXX had emailed them and the debt should have been rescinded. They reported that they still hadn't received any such communication from XXXX but were helpful enough to put the account on hold for 90 days. As a consumer I feel I have followed through on this erroneous medical bill and despite my best efforts am not having my credit protected. I hope this action involving the CFPB will help other patients not have the same situation occur. Patients need to have an advocate, beyond an appeal to their insurance company, for medical billing errors. Patients also need an advocate to turn to for assistance in navigating the multiple billing departments and collections agencies that do not have the patient 's best interest in mind. I appreciate your willingness to advocate for patients.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
In 2020 I struggled to make payments due to covid and I reached out to GM asking them for a deferment and they still reported my account late even though it's been paid off. I would ask if you could please honor my request since the late history is incorrectly reporting on my credit and really hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
I sent a debt validation letter on XX/XX/2021 and the company still has not validated the alleged debt per 15 usc 1692g.

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 2022-01-19 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: CA

Complaint narrative:
Experian has to remove inquiry placed on my credit file by XXXX XXXX XXXX per XXXX request dated XX/XX/XXXX and XX/XX/XXXX XXXX XXXX because They were both unauthorized and the furnishers request to remove the unauthorized inquiries Is attached. Please remove the unauthorized inquiries from my credit file and send me a copy of my updated credit file to the address on file.

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 2022-01-19 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( CAPITAL ONE XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: NJ

Complaint narrative:
The Credit Bureaus are reporting inaccurate information on DISCOVERBANK ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( DISCOVERBANK XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 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: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX XXXX the consumer, Continue to Be damaged by the injurious nature of Nelnet / US DEPARTMENT OF EDUCATION. This is in response to Nelnets documentation and response thereof. Nelnet inc has Documented evidence of my account in a forbearance status with no interest incurring. Nelnet has also denied my claim which is being rejected. As I am a victim of identity theft due to the fact of NELNET INC AND ON BEHALF OF US DEPARTMENT OF EDUCATION ( technical third party with no standing ) TO BUY and securitized my information to XXXX,. This is not authorized.. this is a data breach. It has been stated by Nelnet That they must Furnish my account data proving they had no real reason only that must, Nelnet claim is not valid only a violation as to having no absolute grounds to furnish and did so WITHOUT MY CONSENT. if a reason was so it would have been listed, WE MUST does not mean we are able to ignore the consumer and make decisions without them. WITHOUT THEIR CONSENT which is in fact identity theft. NELNET INC also claims they are lender but not have provided any 1099 A or C copies for my tax purposes, nor 1099 OID or any forms that are supposed to be filed with the IRS that have not been and have also been acknowledged on form 13909. At this time it is being requested : The original transaction with US DEPARTMENT OF EDUCATION to clear up my name and to prove the theft of my Identity. As NELNET is REQUIRED TO PROVIDE THE ORIGINAL TRANSACTION DOCUMENTS pursuant to FCRA sec 609E. And attached. XXXX XXXX the consumer know I am the lender and with the credit, Nelnet has still not answered HOW YOU WERE ABLE TO OBTAIN MY INFORMATION. According to XXXX the consumer, you had no PERMISSIBLE PERMISSIBLE OR WRITTEN. CONSENT TO FURNISH A REPORT. In addition to the accuracy of the report pursuant to 15 USC 1681 AE you have not asked the consumer XXXX if the information is actually true. Instead violated my privacy rights, unalienable rights, and federal rights protected as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I believe I am a victim of identity theft. I disputed the fraudulent information on JPMCB CARD from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Credit Bureaus and the company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( JPMCB CARD XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD BANK N.A. is reporting late as reported in my XXXX Credit Bureau. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( TD BANK N.A. XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I was charged by a company called XXXX XXXX that I did not approve on XX/XX/2022. I called Capital one on XX/XX/XXXX to dispute this transaction and was told it could take up to 10 days to receive my money back. I called back on XX/XX/2022 to resolve this issue because they haven't reimbursed my account and they said that I didn't have a fraud dispute on their records but I informed them I received a email about my call on XX/XX/2022 so I did talk with as I have proof with the email ( I spoke with XXXX XXXX XXXX ) he then said I had to talk to another person who was named XXXX. This process took over 35 minutes and Capital one has not been helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
SPS is lying about me not being able to get a forbearance. I just spoke to XXXX from lost mitigation and she said that SPS is still offering forbearances because of the CARES act. She also said it doesnt matter whether I have a conventional loan or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: UT

Complaint narrative:
I received 2 pieces of mail to collect a debt from a person who has never lived at my residence. I bought my house from a man who lived alone. I have lived in my house for 3 years, and have not joined a gym while living in Utah. It was clearly sent in error. 

The person on the complaint is female. 

I called to rectify it the company said to leave a voice mail, the voicemail was full. Also they had no email. 

I found this extremely suspicious. Additionally I know that XXXX fitness uses a place called XXXX XXXX for their collections after googling. 

I also don't want them to touch my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I purchased my property in XXXX of XXXX i currently have XXXX on my mortgage of {$340.00} and my property value has increased significantly. My current mortgage company ( PHH Mortgage ), in addition to other mortgage companies constantly send me letters stating that i have equity on my house to borrow from or to refi. 
Based on the increase in value, i wanted to refi and remove the XXXX. But the interest rate currently is higher than my interest rate of 3 %. I was told by a banker at the time of purchase that if my property value reached 80 %, i could request removal of XXXX 
I reached out to my mortgage company to request removal. They let me now that they would need either 1 ) Appraisal OR 2 ) improvements to the property. I went for option 1. They asked me to fill out a form and send {$320.00} for appraisal. I filled out the documents and sent it in with a cheque. Within a few days, my cheque was cashed but i did not hear back. When i called back, they told me that i now needed to provide proof of significant improvements to the house. I told them that they need to escalate this as i was never told this and it should not be the case. Today i received a letter from them stating that they declined my request unless i provide proof of improvement. 
I was never told that i needed to both. Nor do i think in my opinion that both are required. Because the mortgage company is not benefiting from me removing XXXX they are giving me a hard time and holding that against me. They are unfairly denying me my right to remove XXXX based on property value. On my account dashboard, they are estimating my house value to have gone up by approx $ XXXX. and as i mentioned, another department keeps contacting me to refinance or borrow from equity. 
I am attaching a copy of my XXXX XXXX  where they posted estimate value and well as zillows estimate value.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Payment Resolution Services
State: CO

Complaint narrative:
I receive letters frequently ( multiple times per week ) from XXXX and Payment Resolution Services ( PRS ), " represent [ XXXX ] the interests of XXXX '', for money that is not owed as far as I can tell. XXXXPRS have not provided adequate evidence of why the money would be owed and it is related to medical claims from years ago in most cases ). I have repeatedly disputed the claims by mail, phone, email, and certified mail ( return receipt ), including using the CFPB form cease and desist letter ( which I have the confirmation of receipt for ), yet the letters continue ( for example, I received XXXX in the mail today, which arrived in the last week ). I welcome the chance to clear my name, yet XXXX/PRS refuse to speak to me directly at this point ( they previously confirmed in email multiple times that the debt was not owed )- they continue to deny having spoken to me or having received me emails or letters, and continue to harass my family with bogus debts while not paying actual claims that we should be paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Disputed this fraud case twice with Experian and it did not remove the fraudulent credit card bill that was not mines. XXXX XXXX removed it and so did XXXX. 
Account info Account name XXXX XXXXXXXX XXXX Account number XXXX Account type Credit card Responsibility Authorized user Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$62000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$620.00} Credit limit {$65000.00} Highest balance {$64000.00} Terms 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 2022-01-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
experian does not update the fact that I payed of my car loan in full and keeps a outstanding loan on their records of over XXXX $ the car loan in dispute is payed off over 2 month ago. Over one year earlier than the loan was agreed on. the finance company is XXXX and I got the title mailed to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Hello, My name is XXXX XXXX. On XXXX XXXX 2021 I sent out letters to XXXX, eqifax, and XXXX  to inform them of incorrect information on my credit report and asked them to validate the debt. They have yet to respond and the information has yet to be removed. the accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: NY

Complaint narrative:
Transaction date : XX/XX/2021, XXXX XXXX  XXXX Amount : {$190.00} I sent money on the above date but other party never piked up that amount. 
After a while Xoom is a service of XXXX XXXX XXXX sent an e-mail to me because other party never picked up a money that they will refund my money. They supposed to refund to my credit card because I used credit card for sending money. But per their e-mail they sent e a check which I never received. 
I called them many times and every time they gave me a story that supervisor will look into it and send me my money soon. 
I am still waiting and sick of calling these guys. 

Please, look into it and let me know what do I need to do to get my money back. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hello, My name is XXXX XXXX. On XX/XX/2021 I sent out letters to transunion, XXXX XXXX XXXX to inform them of incorrect information on my credit report and asked them to validate the debt. They have yet to respond and the information has yet to be removed. the accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hello, My name is XXXX XXXX. On XX/XX/2021 I sent out letters to XXXX, XXXX, and experian to inform them of incorrect information on my credit report and asked them to validate the debt. They have yet to respond and the information has yet to be removed. the accounts in question are as follows : 1 ) Account : XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Opened : XXXX, XXXX Amount : {$620.00} 2 ) Account : XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Opened : XXXX, XXXX Amount : {$790.00} 3 ) Account : XXXX XXXX  Creditor : XXXX XXXX XXXX  Opened : XXXX, XXXX Amount : {$680.00}

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 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I recently applied for a credit card with Chase on XX/XX/XXXX. I called on XX/XX/XXXX and when I inquired about the status, they advised I was denied for 3 reasons. One of those was that I had a derogatory history with them. About 10 years ago I had a credit card with them that I got when I was XXXX and it went to default, collections, and then judgement. I have paid the judgement in full back several years ago and nothing derogatory is now showing with them on my credit history. No collections or judgements. They are claiming that they are denying me for this being one of the reasons under FCRA but there is nothing to support this on my credit history anymore. I have been approved and denied for other loans and credit card companies before and never have they cited anything to do with Chase so I find it hard to believe they are correct when citing they can do this as part of FCRA. When I asked them would they ever lend to me again, they said they couldn't answer because they can't dissuade anyone from ever applying again nor could tell me how to repair the negative history with them. This seems contradictory because they are always going to have this as part of their records so therefore if its something that I can't fix with them or is going to remain as part of their records, then how is this not " dissuading '' me from applying for any account with them. Why would I waste my time again applying if I know this potentially a reason they would most likely deny me credit. A representative named " XXXX '' said I could try and contact the " charge off '' department and see if they still have it but not sure what good that will do if its over XXXX XXXX XXXX. I feel like I am going to be punished with them and have no way to fix or repair the consumer relationship with them even if I was to have better credit than I currently do today.

Company response to consumer: Closed with explanation