vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My XXXX XXXX plan ended on XX/XX/XXXX. The qualifying event for the forbearance was a reduction of income. My property was in a FEMA declared disaster area qualifying for individual assistance. According to XXXX XXXX guidelines I should be qualifying for a 12 months payment deferral. At the time of writing this complaint Im 14 months delinquent. Im fully aware I need to bring down the balance down to or below 12 month delinquent for my file to be referred for a disaster deferment. However Im unable to make the payments with my servicer after attempting many times over the phone. Not having 12 months or less is the reason I was denied for a XXXX XXXX 

Please note on my file I previously had a XXXX XXXXXXXX XXXX  To clear any possible confusion please review XXXX, XXXX XXXX XXXX ( XX/XX/XXXX Please see page XXXX on the servicing guide I have attached XXXX XXXX XXXX Please review servicing guide in detail that Previous XXXX XXXX XXXX does not take away my loans eligibility for a XXXX XXXX 

Please take this matter seriously. I will be engaging a full on Lawsuit against shellpoint mortgage for negligence if I was to suffer any financial losses due to foreclosure and negative credit reporting. I been trying to resolve my issue since mid XXXX until now. Havent heard from my assigned point of contact or anyone qualified to provide clear updates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX XXXX, Consumer Financial Protection Bureau ( CFPB ) Dear Sir/Madam, I am writing to bring to your attention a concerning issue regarding the company Health Revenue Recovery Group ( HRRG ) phone number XXXX and their cooperation with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, FL XXXX XXXX in collecting personal information and issuing fraudulent statements and bills. 

Recently, I have become aware that both HRRG and XXXX XXXX XXXX XXXXXXXX XXXX, XXXX have been involved in the unauthorized collection of personal information from myself and numerous other individuals. In my particular case, I have been falsely accused of receiving medical treatment from XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, for services allegedly rendered at the XXXX XXXX XXXX XXXXXXXX XXXX. 

However, I would like to clarify that I have never received any medical services from XXXX XXXX XXXX XXXX XXXX, XXXX, nor have I ever been in contact with them. The medical treatment I received was indeed at XXXX XXXX, and any outstanding balances have been settled directly with the hospital and are covered by my insurance. 

It has come to my attention that both HRRG and XXXX XXXX XXXX XXXX XXXX XXXX XXXX have created a fake statement and bill in an attempt to collect a debt that I do not owe. This fraudulent activity not only jeopardizes my financial well-being but also undermines the integrity of the healthcare system. 

I urge the Consumer Financial Protection Bureau to take immediate action to investigate and address these fraudulent practices perpetrated by HRRG and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Furthermore, I request that my personal information be removed from their records to prevent any further unauthorized use. 

It is my firm belief that such fraudulent activities must be eradicated to protect consumers and uphold the principles of fairness and honesty in the financial and healthcare industries. I appreciate your attention to this matter and trust that the CFPB will take the necessary steps to rectify this situation. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: IN

Complaint narrative:
On XX/XX/XXXX of 2023, Roundpoint Mortgage added insurance on to my mortgage without my knowledge. In XXXX my payment was changed to reflect the fact that the cost of insurance had been added to my escrow account. I noticed the change in payment and contacted Roundpoint. I indicated to the customer service representative that I carried my own insurance and I pay my policy in full near the beginning of every year. She said that the issue would be corrected. The insurance raised my mortgage payment by nearly {$800.00} a month. I have made each payment and this month will be the XXXX  month that this issue has not been corrected. I have provided copies of my insurance policies from XXXX XXXX XXXX multiple times at this point and each policy indicates that it was paid in full at the beginning of the policy period and that I have carried insurance full the full duration that Roundpoint has been servicing the loan. I highlight that because there is no possibility that my insurance was cancelled for any reason during that period. Each month they say it's going to be handled and yet there is nothing that has been done. Even as I'm on the phone with the company at this very moment the representative is telling me the same thing that I have been told for approximately the last XXXX  months.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-03-12 00:00:00
Product: Credit reporting 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name:XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I '' m a victim of fraud and this collection company is trying to collect a debt thats was open Fraudulently. I repeatedly ask the collection company for validation of the debt that is competent evidence bearing my signature, Proof of identification ( Driver 's License or other form of Government ID }, a letter of sale or assignment from the original creditor to their company and that I ever had some contractual obligation to pay them.Those collections Consist of XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: VT

Complaint narrative:
My Citi bank card had some fraudulent charges on it from XX/XX/2023 to XX/XX/2023 charges XXXX charges ranging from XXXX to XXXX to a vendor ( XXXX XXXX ). However, the company is telling me that the chip was present at the time of purchase, so they do not feel that it is a fraud claim. The vendor is listed as from XXXX XXXX CA. a place I have never been. Four of the five claims have been denied, however the fifth was covered because it had happened after I reported the charges and was issued a new card. it was charged from the same vendor oddly enough, so they canceled my new card and sent me a third. I have Called several times to have this issue resolved and am frankly sick of the run around. anyone with access to my account and common sense can see there is a clear problem however Citi has made me feel powerless to resolve on my own or within their claims center.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number:XXXX Account Name XXXX XXXX XXXX Account NumberXXXX  Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  XXXX Account # XXXX Account # XXXX XXXX Account # XXXX, XXXX Account # XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Reference # XXXX XXXX bankruptcy Has violated my rights 15 U.S.C 1681 Section 620 A : States I have a 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 instruction

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
IXXXX 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 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 bankruptcy Has violated my rights 15 U.S.C 1681 Section 620 A : States I have a 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 instruction

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX I sent a identity theft affidavit to Transunion regarding my identity theft. They came back and told me to resubmit my police report. On XX/XX/XXXX they received by certified mail my FTC report, police report from XXXX Police Report, report number, ID, verification of address as well as my pay stub, and social security card, and they have still proceeded even though by law they have to block the information within 4 business days to report inaccurate information on my credit report. I want this to be resolved, and I want all inaccurate information to be blocked and removed 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 non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I have not received any contract agreement by the collection agency named CREDENCE RESOURCE MANAGE, I would like a contract agreement with my signature stating I owe them money, and not t mobile I have advised them and XXXX XXXX this account is fraudulent and has been removed in the past by all three credit bureaus and by law is illegal to harass, falsify or put this on my credit if it has been removed in the past. Please remove. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I started to see this collection account in XX/XX/2024. I disputed the accounts because I did not recognize the company. I was contacted via phone call in XX/XX/2024 via a spoofed caller ID that made the company appear to be a local Texas phone number. I verified that we were on a recorded line, and informed the company that I have not received XXXX XXXX or XXXX XXXX and requested all communication be through certified mail. I requested not to be contacted by phone or email. I have yet to receive any communication from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Throughout, I've maintained timely payments on this account, ensuring they never lapse into overdue status. I'm uncertain about the reasons for the late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX, and so on.

Company response to consumer: Closed with non-monetary relief