vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-09 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: FL

Complaint narrative:
I have contact XXXX  in regards to a 30 days late in XX/XX/XXXX being reported after I was granted an extension due to natural disaster here in Fl ( hurricane ), I also informed them of my diagnosis of XXXX and have always called and paid on my loan. I recently spoke with an XXXX agent on XX/XX/XXXX as I had just gotten out of the hospital, and my XXXXyo son attempted to take care of some Bill 's for me but was not aware o didnt use the checking info on file with XXXX  so that payment did not go thru. I usually pay them with my card due to them pulling payments days early when not authorized. I explained that to her and informed her I will be making that XX/XX/XXXX payment soon she advise that I make it by XX/XX/XXXX to avoid a neg reporting on my credit report. Then today XX/XX/XXXX I get an alert from XXXX  stating my account was reported as 30days late, when I attempted to dispute ( per XXXX  advise ) it tells me I cant dispute because I have already disputed the in accurate info from XX/XX/XXXX that was never updated/ changed as well. I would like my report to reflect accurate information as it drops my score when they do this and there is no accountability just the run around. Also I have paid over {$10000.00} on my loan since XX/XX/XXXX and my report only reflects {$2000.00} has been paid over the course of 3 years.

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 2020-02-09 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: NC

Complaint narrative:
In the month of XX/XX/2019, I discovered a inaccurate collection being reported to all three of my credit reports. On XX/XX/2019 XXXX  had fixed and corrected the problem with their investigation. TransUnion and XXXX  had failed to fix or correct the problem. Ive sent both credit companies documents and requested numerous of investigations since then. TransUnion has been very hard to get a hold of to submit documentation and requests for investigations. Most of the time, Ive had to use their sister organizations with XXXX XXXX and XXXX XXXX just to request an investigation. Both their partners dont accept documentation. XXXX  is available to submit investigations and documentation but they fail to look into the relevant information. They are both reporting XXXX/XXXX XXXX in the amount of XXXX dollars. XXXX had sent a letter stating that no collection exists in my name. Ive sent this information to both credit agencies.

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 2020-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
US DEPT OF EDUCATION/XXXX  .. XX/XX/XXXX = Closed .. Balance = {$0.00} .. Monthly payment = {$0.00} ... Current Payment Status = 120 DAYS LATE ... .. I began serious work on my credit file in XXXX. My first step was to consolidate my student loans. The Dept of Ed happily closed all of my accounts and transferred the balances to a single XXXX XXXX account. After much work, I brought my scores up into the mid and high 600 's by XX/XX/XXXX ... I was preparing for the day my mother passed away and HUD foreclosed on the reverse mortgage, also known as my family 's home. My mother passed on XX/XX/XXXX. Foreclosure was set to began 6 months later ( the first week of XX/XX/XXXX ) ... I wasn't prepared for the amount of points I lost when my mothers accounts were removed from my credit files. I frantically pushed my numbers as fast and as far as I could until late XXXX. I then began the process of purchasing a place for us to live, knowing my options would be limited but time was quickly running out. I finally found a lender that would accept me and just as we were about to sign, during the first week in XXXX, the entry shown above posted at the bureaus ... I lost an average of 63 points and with it any chance of securing the loan I desperately need before HUD lays claim to our home ... I had successfully disputed this account last year. The notation was removed and the status was changed. It reappeared, again. ... This entry has destroyed my life. I see now that it has refreshed at the beginning of the year every year since the account was closed. I have been permanently marked delinquent. Lenders laugh at me ... Reporting an account that has a {$0.00} balance as late is beyond irresponsible in this arena. The bureaus should have questioned this entry automatically instead of blindly letting it stand, so I blame them too.

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 2020-02-09 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: FL

Complaint narrative:
Accounts and Inquires listed are not done by myself. Please delete immediately.

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 2020-02-09 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: FL

Complaint narrative:
Accounts and Inquires listed are not done by myself. Please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I checked my credit and saw an account from COMMONWEALTH FINANCIAL for Florida Hospital in the amount of {$100.00}. Please be advised this debt reported is a VIOLATION of the HIPAA Act of 1996. When I received service from the facility, I made them aware that I was a XXXX   and needed financial assistance. 

COMMONWEALTH FINANCIAL did NOT provide me with any correspondence about this debt or the right to dispute nor did they request a HIPPA release to release my medical information to them. Therefore, they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against COMMONWEALTH FINANCIAL should this item not be deleted within the required time allowed by law. 

COMMONWEALTH FINANCIAL is in direct violation of HIPAA regulations, and are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX, XXXX   and XXXX  as well, since they are incorrectly reporting this debt, too. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: AR

Complaint narrative:
I got sent a judgement that I was going to get garnish for my wages in XX/XX/2019 from the District Court of XXXX County, Arkansas. I have never gotten serve papers for this judgement against me. I was told I had 30 days to response back but I didn't get my 30 days. I receive the letter on XX/XX/2019 and I got garnish on XX/XX/XXXX. I also response back and they never answer my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2019, I ordered flowers from online retailer XXXXXXXX XXXX XXXX for $ XXXX.and got an immediate confirmation of my order and funds were deducted from my American Express Serve Prepaid Card . I replied back to the company as to when the flowers would be delivered and they replied back that the order could not be serviced due to the holiday rush, and that a full refund would be issued to appear in 2-5 days. No refund. I inquired again and was advised that they had a system issue and a refund would be issued immediately and I could expect it in another 2-5 days. I immediately contacted American Express Serve and they advised nothing could be done by them for approximately 14 days, and to contact the company for a refund. I went online to research XXXXXXXX XXXX XXXXXXXX and there are hundreds of complaints about this company stealing money from consumers and not delivering goods. I only used this company because it popped up as a local florist. 
After several unsuccessful calls to AMEX Service, I was finally got an email with a dispute form attached to complete. I actually faxed this dispute information to AMEX serve twice and still no response from the company at all. As the dates show on the attached paperwork, weeks have passed and I have not heard back from AMEX regarding this charge and I want my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management
State: FL

Complaint narrative:
I checked my credit and saw an account from FOX COLLECTION CENTER for XXXX XXXXXXXX in the amount of {$380.00}. Please be advised this debt reported is a VIOLATION of the HIPAA Act of 1996. When I received service from the facility, I made them aware that I was a vagrant and needed financial assistance. 

FOX COLLECTION CENTER did NOT provide me with any correspondence about this debt or the right to dispute nor did they request a HIPAA release to release my medical information to them. Therefore, they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against FOX COLLECTION CENTER should this item not be deleted within the required time allowed by law. 

FOX COLLECTION CENTER is in direct violation of HIPAA regulations, and are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX, XXXX  and XXXX   as well, since they are incorrectly reporting this debt, too. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank is continuing it's institutional racism business practices, and collude with credit reporting agencies XXXX, XXXX, XXXX in erroneously inaccurately reporting my XX/XX/2019 mortgage payment as 30, or more days late. 

( Attached ) is my XX/XX/2019 payment receipt, which clearly shows that my payment was timely made at XXXX XXXX on XX/XX/19 which I have forwarded to ALL 3 credit reporting agencies requesting that they properly correct, and update their reportings to NO AVAIL .... 

This again is Chase implementing their institutional XXXX business practice to disparage, and suppress my creditworthiness, and employment viability.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I checked my credit and saw two accounts from XXXX XXXX XXXX/CAPIO from XXXX XXXX OF XXXX IN THE AMOUNT OF {$380.00} and {$120.00}. Please be advised these debts reported is a VIOLATION of the HIPAA Act of 1996. When I received service from the facility, I made them aware that I was a vagrant and needed financial assistance. 

XXXX XXXX XXXX/CAPIO did NOT provide me with any correspondence about this debt or the right to dispute nor did they request a HIPPA release to release my medical information to them. Therefore, they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX XXXX XXXXCAPIO should this item not be deleted within the required time allowed by law. 

XXXX XXXX XXXX/CAPIO is in direct violation of HIPAA regulations, and are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX, XXXX  and XXXX   as well, since they are incorrectly reporting this debt, too. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID

Complaint narrative:
On XXXX XX/XX/2020, I used USAA 's mobile deposit app to deposit a {$30.00} check with them. The image was captured clearly and successfully, and received as such by USAA. 10 days later, on XXXX XX/XX/2020, I received notice from USAA that they were deducting {$30.00} from my account, plus a {$5.00} penalty fee because the image was returned to them from the bank it was drawn on as " unreadable. '' I called USAA and they confirmed with me that yes, the image I sent them and that they received was a perfectly good image, but that somehow whatever image they forwarded to the other bank was cut off, so you could not see the dollar amount written on the check. They told me that their " policy '' required them to take my money from me out of my account, even though the error was theirs and I had done nothing wrong. 

They asked if I still had the original check, and I informed them I did not. They told me there is nothing more they could do about it, and I was the one who would be stuck with the cost, even though it was their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: FL

Complaint narrative:
XXXX XXXX {$2600.00} Paid, closed 19 charge-offs Account number XXXX, Date opened XX/XX/XXXX, Account type Auto Loan Balance Loan Amount {$2600.00} This was included in BK in XX/XX/XXXX, the car was turned in as it was my ex wife 's daughter, It's being reported as a late payment every single month for the last 19 months, this should be removed due to the 7 year and/or these lates should be removed 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 2020-02-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Without my authorization, Wells Fargo steals my direct deposit and pays mortgage that is not due, thus my other bills are not getting paid. They have closed my online account so I can not correct this. I am on XXXX and they are also stealing my other payments and putting me in jeopardy of not paying bills. 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 2020-02-09 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: IL

Complaint narrative:
Countless Disputes With All 3 Bureaus to repeatedly report inaccuracies not to mention a breach of contract with XXXX  where my report as well as personal data was compromised. Creditors and Bureaus are not reporting timely payments and paid accounts. However, late payments, charge offs and collections are reported and updated almost immediately. Not a fair or legal practice in which all credit bureaus proclaim and assure. Also, points that are deducted first for late payments or charge offs are never replaced with paid accounts or closed and agreed accounts. How is this considered fair credit reporting especially in a world full of fraud and scams. XXXX is one the leading major credit reporting agencies whom are now under investigation for data breaches but yet and still are deemed reliable to report important data on millions of consumer 's 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 2020-02-09 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: IL

Complaint narrative:
Countless Disputes With All 3 Bureaus to repeatedly report inaccuracies not to mention a breach of contract with XXXX  where my report as well as personal data was compromised. Creditors and Bureaus are not reporting timely payments and paid accounts. However, late payments, charge offs and collections are reported and updated almost immediately. Not a fair or legal practice in which all credit bureaus proclaim and assure. Also, points that are deducted first for late payments or charge offs are never replaced with paid accounts or closed and agreed accounts. How is this considered fair credit reporting especially in a world full of fraud and scams. XXXX  is one the leading major credit reporting agencies whom are now under investigation for data breaches but yet and still are deemed reliable to report important data on millions of consumer 's 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 2020-02-09 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: FL

Complaint narrative:
XXXX XXXX {$2600.00} Paid, closed 19 charge-offs Account number XXXX, Date opened XX/XX/XXXX, Account type Auto Loan Balance Loan Amount {$2600.00} This was included in BK in XX/XX/XXXX, the car was turned in as it was my ex wife 's daughter, It's being reported as a late payment every single month for the last 19 months, this should be removed due to the 7 year and/or these lates should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
I checked my credit and saw an account from 21st mortgage. 

I do not own a home nor do I have a mortgage. 

If there is documentation with signature on it, please release that information to me so i can take it to the police. 

I am not a homeowner and my name shouldn't be associated with any mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase has debited {$600.00} worth of {$34.00} overdraft fees from my account in the past 3 months. Im demanding they return this {$600.00} in fees back to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-09 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
This company illegally procured me a motor vehicle financing loan without a license. They did this for the entire loan they also contracted with a towing company who's business was tax forfeitures and did not have a non consent towing license

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: FL

Complaint narrative:
I checked my credit and saw an account from XXXX XXXX. 

I do not own a home nor do I have a mortgage. 

If there is documentation with signature on it, please release that information to me so i can take it to the police. 

I am not a homeowner and my name shouldn't be associated with any mortgages.

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