vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 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: MO

Complaint narrative:
Medical debt according to legal definition is debt that arose from the receipt of XXXX XXXX products or devices. 
After facing a life-threatening illness I was forced to take on medical debt from the receipt of XXXX XXXX and therefore it qualifies as medical debt. 
Medical debt is not allowed to be reported until its more than a year past due however Experian continues to report medical debt that is less than one year past due. They have been informed of this but dont seem concerned about obeying the law. The problem with them verifying with the creditors is they dont get an accurate answer and only a scripted answer from a customer care agent lasting basic legal knowledge This is pertaining to XXXX XXXX and XXXX XXXX XXXX XXXX, Commenity, XXXX XXXX and XXXX XXXX I have filed numerous XXXX XXXX XXXX complaints against Experian but they dont take medical debt law seriously. All they do is read scripted answers and change the topic.. I will request that they refrain from scripted answers and only discuss the removal of the medical debt.

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 2023-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wire fraud issue. 

Pushed {$25000.00} on XX/XX/XXXX. This was reversed. Someone fraudulently posed as a partner company and invoiced our company, XXXX XXXX. 

We pushed {$25000.00} again on XX/XX/XXXX as the scammer indicated they had provided the wrong account. This payment went through. 

We have not heard back as they indicated we would in 10 days after requesting a recall. 

We need help!

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 2023-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
On XX/XX/XXXX I called my mortgage company to ask why my payment had not been applied. I was put online with one of their customer service reps. I asked if he could tell me why the payment had not been applied to the account. XXXX was due on XX/XX/XXXX, but there is a grace period of 16 days if you require it. I sent the payment priority mail through the USPS so that it could make the XXXX XXXX cut off time for the grace period. The payment was delivered to the po box of the mortgage company on XX/XX/XXXX at XXXX. This is verified by text by the USPS when letter was delivered. I gave the rep of loan company the information of the certified letter and re-laid to him the initial mail date. 
The rep of the mortgage servicer said. '' To give them a few day longer to get the paymnet applied. '' I also asked the servicer what about the late payment? I was advised that the payment would be removed and would be reflected in the next statement. 
Today is XX/XX/XXXX. Tomorrow will be the XXXX. It has been longer than had been described by the mortgage services rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC
State: TN

Complaint narrative:
I took a loan with TitleMax in over a year ago and they keep going up on my payments is not showing anything on the principal the loan was for {$1200.00} it hasn't gone down at all I've been making payments every month since I took out the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX XXXX. 
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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX XXXXXXXX {$690.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$280.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$230.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX has violated my right. ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX  of the United States of America at the time the account was opened. I am a XXXX  XXXX. 
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 an 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 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 non-monetary relief
Consumer complaint received 2023-05-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXXXXXX {$690.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$280.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$230.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX has violated my right. ( I was not even a XXXX  of the United States of America at the time the account was opened. I am a XXXX  XXXX. 
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 an 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 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 non-monetary relief
Consumer complaint received 2023-05-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed inaccurate information on my credit report and Equifax refused to accurately investigate while sending correspondences back stating everything was accurate. 

TRACKING # XXXX XXXX XXXX XXXX Not only does this account ( XXXX ) remain inaccurate, However EQUIFAX failed to mark notice of dispute on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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: NY

Complaint narrative:
on XX/XX/2023 i sent transunion these letters for these inaccurate information on my report and they havent deleted accounts for violating 15 U.S. Code 1681b - permissible purposes of consumer reports, I never gave any written consent to report anything on my consumer reports no consent is fraud!!!!!! 
1.XXXX XXXX XXXX Account number # XXXX 2. XXXX Account number # 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 2023-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX XX/XX/2010 I had a cashiers check made out to me for {$10000.00} NEVER told there was an expiration date, went to deposit it and chase bank got mad at me (? ) for not depositing/cashing it. 

I have legally changed my name to XXXX XXXX, chase bank gave me a new checking account with my new name, so why this turned into a problem is mind boggling

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: SC

Complaint narrative:
To Whom It May Concern : The goal in the headline of the letter is always to setup a situation where the burden of proof relies on the consumer reporting agency ( Credit Bureau ). You do not want to make a specific claim about a specific account in the first-round investigation request letter. The reasoning for this is called factual disputing methodology. Making a claim of Not Mine or Never had account when the account is yours invalidates the claim if it is in fact yours. Write as if you are a consumer without the fancy jargon in this round to prevent it being misinterpreted as coming from a credit repair company. 
You cant go wrong with quoting 15 U.S.C. Sec. 1681i, since it is very broad and covers Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller ( XXXX XXXX ) ( XXXX  ) and others who furnish third party disputes free of charge, etc. 

Collection Account : XXXXXXXX XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was to receive paper copies of the bill and never received - as it started going paperless- I did not want paperless statements. There were several times when attempting to make a payment that the system was down and I have a few records of this and would like to request information from the company when their payment system was down to demonstrate their culpability. Due to their errors and system glitches ; I was unable to make the payment. 
Life as a busy person, I inadvertently was not able to make the payment when intended and as it should be excepted for the consumer. I would like a record of the time their system has glitched which prohibits consumers from making payments. In addition to this, not having a hard copy of a bill with a very small balance resulted in back interest fees exceeding XXXX dollars when I thought the small balance was paid off on XX/XX/2022. This company has not taken responsibility for their errors in this and has created the consumer to bear the full responsibility for THEIR errors. This seems criminal and negligent on their part to create all these situations to cash in on unsuspecting consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: UT

Complaint narrative:
I am being charged for the same thing twice, once by the Doctor and once by the Hospital for an ER visit. 
XXXX XXXX XXXX XXXX XXXX - {$870.00} est. ( XXXX XXXX ) code XXXX XXXX XXXX XXXX XXXX XXXX - {$1700.00} est. ( Hospital ) code XXXX There was only 1 visit.. what is the diff between XXXX XXXX and XXXX? 
Simple XXXX XXXX, XXXX, XXXX  {$440.00} est. XXXX XXXX XXXX XXXX  ) code XXXX Simple XXXX XXXX, XXXX, XXXX  {$1100.00} est. ( Hospital ) code XXXX And plus Office / Outpt visit, new, XXXX  XXXX {$480.00} est. ( REP CC ) I went to the ER for a XXXX XXXX XXXX XXXX XXXX, got stitches  and that was all. How can the Doctor and the Hospital charge me for the same thing? 
The insurance companies EOB show these charges and my responsibility was for the full amount on it all. This is not a fair billing system and I should be able to get the double charges removed. No one is willing to work with me about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: NY

Complaint narrative:
on XX/XX/2023 ive sent equifax these letters for these inaccurate infomation on my report and they havent deletd accounts for violating 15 U.S. Code 1681b - permissible purposes of consumer reports, I never gave any written consent to report anything on my consumer reports no consent is fraud!!!!!! 
1.XXXX  XXXX  XXXX  Account number # XXXX 2. XXXX Account number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Boomerang Capital Partners, LLC
State: AZ

Complaint narrative:
Dear Court and whomever this may concern, I am writing to file a complaint seeking an injunction to stop the sale of my house and auction. I am the owner of XXXX XXXX  XXXX XXXX XXXX, and I am writing this letter as a formal complaint. 

My mother is elderly and sick, and I am her caretaker. We have lived in our home a nice amount of time and we have always lived together, and she suffers from XXXX. In here mind right now, it is the only home my mother has ever known. We had been making payments on the mortgage, but recently we were informed that the finance company did not receive the payments. We were told that the payments were lost in a wire transfer, and we have since been trying to rectify the situation. 

We have been informed that there is a sale going under the underwriting process, and we are currently waiting on funds in the close of the sale. We believe that the sale of our home and the auction should be stopped until this matter can be resolved. 

I am seeking an injunction to stop the sale of my house and auction, as my mother is elderly and sick and we have nowhere else to go. We have made every effort to pay our mortgage and have been working to resolve the issue with the missed payments. We believe that the sale of our home and auction would cause irreparable harm to my mother 's health and well-being. 

I respectfully request that you consider our situation and grant the injunction to stop the sale of my house and auction until this matter can be resolved. Thank you for your time and consideration. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: DC

Complaint narrative:
I have recently reviewed my credit report on today, XX/XX/XXXX with Credit Karma, XXXX, XXXX and noticed several unauthorized inquiries ; XXXX XXXX ( XX/XX/XXXX ), XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX  ( XX/XX/XXXX ), XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX Card Services ( XX/XX/XXXX ), XXXX  XXXX  ( XX/XX/XXXX ), XXXX XXXX/ XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), and XXXX/XXXX  ( XX/XX/XXXX ) on my credit report and under 15 USC 1681 a number 3 . You guys assumed the role without permission not only that you did not have consent. You guys did not respect my right to privacy which is under 15 USC 681 a number 4. They did not exercise their grave responsibility, they were unfair, they were partial. I am taking the liberty to file a CFPB report and attorney general 's complaint. The credit bureaus were not given or had permissible purpose under 1681 b number 2. I never instructed you guys " Credit Karma '' to furnish this / my report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all 10 Hard Inquiries off my report. Please furnish Credit Karma with the cfpb REPORT NUMBER. I have also noticed an influx of my credit score going down over the last 3 days without change. This has gravely impacted me emotionally, mentally, and my score has dropped denying me from accessing credit. I see Credit Karma denied the former complaint. However, if they are a reporting agency receiving information by third part via the credit bureau they should also gain my permission before posting.

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 2023-05-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Innovate Managed Holdings, LLC
State: TX

Complaint narrative:
got the lease back XX/XX/XXXX - set up the payments on Autopay - XX/XX/XXXX- i receive an ugly letter saying - Notice of Acceleration - i called back in XX/XX/XXXX to get a payoff and they never said i missed a pyment i called when i received ugly letter XX/XX/XXXX and they said i missed the XX/XX/XXXX payment i got my bank statement and i show i made the payment but after going thru all my statements- i see the never took the XX/XX/XXXX payment- i had plenty of money in my account. 
i have called so many times asking for a full payment history and not received it only email to log into the website i have spoke to a XXXX many times at XXXX few times and she says its a system error and her supervisor is reviewing and ever time i speak to her i ask her to call me back .... no one has ever called me back. 
Also i want to go ahead and pay the XXXX since i do see it never was collected and she says just wait .... 
i am still wainting and nothing is geting done

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: TX

Complaint narrative:
I submitted a complaint last XX/XX/2023 and companies involved responded. Some items were deleted but some are still reporting on my credit report. I submitted a complaint again last XX/XX/2023 and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns because I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
My credit profile currently showing incorrect information showing I have credit inquiries. Which I have not made

Company response to consumer: Closed with explanation