vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Medical procedure was done at XXXX XXXX XXXX XXXX on XX/XX/XXXX, I paid the copay ( {$95.00} ) the medical center said I owed before the procedure. Afterward, I received a bill from the medical center for {$890.00}, though my medical insurance claim showed I owed nothing. It looks as if the medical center didn't get the required preauthorization. I called the insurance company and the medical center. I sent a notice to the medical center with a copy of their bill, explaining. They turned it over to collections. I sent a letter to the first collection agency ( XXXX , XXXX ) on XX/XX/XXXX, with copies of all pertinent information. Six months have passed and now I'm receiving a collection letter from a different collection agency ( Capio Partners , LLC ). So I'm writing a letter to them disputing the bill with copies of all pertinent information. How do I make this stop?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16 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: TX

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Services, Inc.
State: MN

Complaint narrative:
At XXXX CST on XXXX XX/XX/XXXX I was contacted on my cellphone by NCS. After verifying my name, the agent did not identify herself nor her agency, openly announced my current address, and then asked my DOB. At that time, I asked who the agent was with and what this was regarding, and she identified her agency, which was NCS. I asked her if it was illegal for her to proceed without identifying herself, and she told me it was in fact illegal for her to identify herself before verifying my DOB. I then verified my DOB and asked permission to continue recording, to which I consented. She then went on a script that this was an attempt to collect a debt ( I know that they are contracted to service my student loan - which is protected from collection efforts until the CARES Act expires XXXX XX/XX/XXXX ). She then went on to read more about the Cares Act and it expiring in XXXX of next year. As I was unable to understand her due to fast pace and mumbling, I asked her to clarify. She in no way clarified, but simply repeated herself in a way that I almost understood as Rehabilitation of my student loan that is currently in default. She then provided me with an incorrect amount due of {$11.00}, xxx. Due to the zero interest for the better part of XXXX, regularly checking my credit report, and an effortless check of my current balance at XXXX I was knew that my balance due is {$9700.00}. At this time I made efforts to end the call, as trying to collect an incorrect balance is a direct violation of my rights. She then got agitated and said something under her breath, which was the moment I terminated the call. This agency makes practice of not identifying themselves and has done so on every occasion that they have called me from the time that they acquired my account in late XXXX. They have also provided incorrect information in XX/XX/XXXX, on a call to the same number, stating the only way that I can get my loan out of default would to be to pay it off completely. Considering they called 9 months later offering to rehabilitate that same loan, Im going to go ahead and say that their collection efforts are not only abusive but illegal and a violation of rights. I will be filling this complaint and multiple disputes on federal, state, and credit bureau platforms. The American people deserve better than what this company is providing on a tax dollar paid government contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: MD

Complaint narrative:
XXXX XX/XX/XXXX, {$340.00}. this is the action taken. I MOVED TO MARYLAND IN XXXX AND HAVE NOT BEEN BACK TO ALABAMA. This just pop up on my credit report. I do know that XXXX XXXX who lives at XXXX XXXX XXXX, XXXX Alabama have done Identity theft in my name using information she broke in my home in XXXX and stole my personal papers. I had to do a police report in XXXX for XXXX XXXX XXXX for cable and TV IDENTITY THEFT. This collection on my credit report just POP UP from space and if not corrected will remand on my report for 7 years due to no fault of my own I have been using XXXX FOR XXXX, XXXX FOR WATER, AND XXXX  GAS every since I moved to Maryland in XXXX and i have been provided service from theses companies without no interruption. I paid and cancelled all services in XXXX and have not been back since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into hands of the wrong person.

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 2020-12-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into hands of the wrong person.

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 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My auto loan originated with XXXX XXXX, XXXX XXXX  took over XXXX XXXX  along with my auto loan. My auto loan was reported as closed to all three major credit bureaus when XXXX took over XXXX XXXX, when I called XXXX XXXX  about not reporting my loan to credit bureaus they indicated that it takes time for loan to be updated and reported to all three major credit bureaus. It has been over 9 months since my auto loan was reported as closed to all three major credit bureaus, since then my auto loan has only been updated as opened with XXXX. I have called XXXX XXXX  customer care over 9 months and every month I call I get a different answer. Most times I am told that my auto loan will appear next month with Experian and XXXX, but that has not happen. I would like for my active auto loan with XXXX XXXX to be reported as current along with my payment history to all three major credit bureaus.

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 2020-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-12-16 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I took out a debt consolidation loan through XXXX XXXX XXXX XXXX in XX/XX/2020. It was the credit unions responsibility with our loan to pay the amount of all of the debts as per stated on our contracts. XXXX XXXX  paid all of the loans or so we thought. A few months went past and I received an email in XXXX from XXXX stating I was 60 days past due and it dropped my credit score 63 points. I called XXXX and they confirmed the XXXX XXXX paid most but not all of the balance. They paid all but {$69.00} causing late fees and delinquency. I was unaware of any amount left due to the fact community choice was suppose to make the full payment. I IMMEDIANTLY paid the left over balance and tried to dispute the 2 late payments on my credit report and they refuse to remove the late payments even though I provided evidence that it was the credit unions responsibility to pay the full pay off amount. I called both Experian and XXXX and they both said they can not do anything. I do not think I should have to be penalized for believing all of my accounts where to XXXX  as they were suppose to be.

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 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. I would like to request a security freeze placed on my report and request a PIN Code. I choose to opt-out of your disclosing future information until further notice including inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.

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 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. I would like to request a security freeze placed on my report and request a PIN Code. I choose to opt-out of your disclosing future information until further notice including inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-12-16 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: NY

Complaint narrative:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Outsource Group, Inc
State: MD

Complaint narrative:
Medicredit Corporation, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX or XXXX. XXXX XXXX, XXXX  XXXX, MO XXXX. Medcredit is in violation of 8 Federally Protected Consumer Rights Violations Under 15 USC 1692 and Violation of HIPPA. In pursuant to 15 USC 1681a ( 3 ) violated the restriction on sharing of medical information. I pursuant to 6802a Medicredit Corporation may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information. In pursuant to 15 USC 1692e ( 3 ) False or misleading representation or implication that any individual is a lawyer. Also, this is a violation of my HIPPA rights. I am allowed under the HIPPA Law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records form third ( 3 ) parties. I do not recall giving permission to MEDICREDIT to release my information. Please provide a copy of my signature with the Medicredit to release my medical information to consumer reporting agencies. Immediately remove and cease any medical information from the consumer reporting agencies website. To account is paid in full. This corresponding was sent via certified mail.

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 2020-12-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
See lawsuit Almanzar et al v. Select Portfolio Servicing Inc, US District Court for the Southern District which included details on the internet regarding SPS and XXXX XXXX XXXX XXXX and reported " kickbacks ''. Numerous complaints on web including with XXXX XXXX XXXX  regarding both SPS and XXXX XXXX XXXX. Numerous complaints on not receiving refunds. 

This complaint is regarding Select Portfolio Servicing Inc. and XXXX XXXX XXXX XXXX and their force-placed insurance charged to my loan on XX/XX/XXXX for {$970.00} a certificate of insurance stating issued on XX/XX/XXXX certification period showing XX/XX/XXXX and expiration date XX/XX/XXXX. 
How can this be retroactive? What actual months should such a fee cover? 

In a letter from SPS dated XX/XX/XXXX it stated " it was not a requirement for you to be escrowed at the time of servicing transfer ''. XXXX XXXX who financed my home equity loan had told me no escrow/no insurance required. My small PRINCIPAL BALANCE SHOWN ON STATEMENT DATED XX/XX/XXXX WAS IN AMOUNT OF {$330.00}. NO INTEREST REMAINING. 
Is there a percentage or formula involved in determining force-placed insurance coverage and the principal, even if in other cases when legal and ethical? 

I made another payment in XXXX. And in XXXX MARKED A PAYMENT TO BE APPLIED TO THE REMAINING PRINCIPAL BALANCE OF {$69.00}. And, as stated above, no interest due ( actually a credit shown of {$4.00} for interest. ) SPS refuses to apply to the principal and they have charged additional fees for my not making my payment in XXXX when no interest remained. Instead they since applied the {$69.00} to the extorted insurance payment. 
IS IT LEGAL FOR SPS -- TO NOT APPLY -- MY MONTHLY PAYMENT DESIGNATED FOR THE PRINCIPAL? 

I would like a copy of service transfer agreement or contract between XXXX XXXX and SPS. And a copy of the home equity loan. 
I would like to know what credentials, certificates, and licenses that the owners and companies of SPS and XXXX XXXX XXXX must have. I will include my questions to the Texas Attorney General office. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: TX

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this 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 2020-12-16 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: NJ

Complaint narrative:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: CORELOGIC INC
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, CREDCO, on XX/XX/XXXX, XXXX XXXX/XXXX ( the report does not include information about the creditor ) and on XX/XX/XXXX, XXXX XXXX XXXX XXXX ( the report does not include information about the creditor ) add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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