vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
Is there any reason why I still have not been contacted by Chime about my direct deposit sitting in an active credit builder account that I canceled o er a year ago... is one of the many emails I sent to Chime concerning misappropriation of fund. After getting off the phone a customer service rep transfered another customer from North Carolina to my phone number as if I was a Chime agent. After having to call numerous times and getting the run around about why I have a credit builder account on my end showing {$0.00} available but their saying they see my direct deposit balance on their end. This unprofessional behavior had caused me mental duress

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
I am a XXXXXXXXXXXX student presently attending XXXX XXXX XXXX which I was not given no date of payment of my student loan because I am not finish yet my graduation date is in XX/XX/2022 and now its on my credit report that I owe which is incorrect and I need your help with this there are others that are incorrect on my credit report please 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 2022-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc
State: NY

Complaint narrative:
Hi my name is XXXX XXXX I'm the owner of the XXXX XXXX company XXXX XXXX XXXX XXXX. 

In XXXX of 2021 we have contracted ability network to provide us with a billing software to bill Medicare patients that we provide durable medical equipment to. 

Unfortunately, they were not able to provide us any adequate training. for example, normally when you buy a software the software provider would give you several training sessions, more or less, based on how complicated the software is, then as you start using the software, they are available at least for the first few weeks to guide you and answer any questions that come up, as they always do. 

In this case however, as soon as we signed up they began billing, without providing any training. 

We had to run after them to provide us with some training, finally they scheduled a training day in a couple of days out, in the mean time we were not able to use or even play around with the software to figure it out because we had not been given any log in or anything to even see the billing software. 

Finally we got around to the training date and we got to speak with someone, she told us a whole list of things that we would need to obtain from Medicare so we can start billing, the things we needed were mostly things we have never heard of with very unfamiliar names and terms, we started trying to get them, in the process many questions came up and whenever we needed clarification even on minor things we would have to schedule an appointment for a few days out to discuss, all the while we are continued to be billed. 

despite all of that we continued try 'an make it work, we scheduled, waited, asked, and then scheduled again waited again and asked again. remember, we are still not able to do anything with the software, let alone bill, which that is the entire purpose of the software. 

Finally we thought we got everything they told us we need, we sent it over to them, eventually they came back and told us that the packet we received from Medicare is for the incorrect region, when we asked them which one is the correct region the answer was that they don't know and we should find out our selves. 

At that point we were already tired of this, so I sent them an email asking them to stop billing us, since they are not able to provide effective training and we have so far never used the software, something which they do not deny. 

A little after that email we began receiving emails from them about more training, but we were already tired of this unheard of process, but the bills kept coming. 

Now we received a collection letter of {$1400.00} for something we were never able to use, this is completely outrages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
unknown and inaccurate information on my chex sytstems reports dating back from XX/XX/XXXX to XXXX that are reporting judgement 's against me from opening bank accounts and getting loans from financial institutions.False accusations that i have no knowledge or consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: NJ

Complaint narrative:
When my XX/XX/22 mortgage did not get deducted from my bank account I called my mortgage company. They told me my loan was sold to SN Servicing Corp. I did not receive a statement from the new company or a way to set up auto payments. Instead I received a debt collection letter. When I tried to call the new company at the number provided XXXX I kept getting disconnected. It is a disgrace that a transfer of mortgage is handled so poorly. I need a way to set up payment. This company should be shut down for their incompetence which could impact my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Navy Federal Credit Union Denied MY Application Seven ( 7 ) Times..I applied for Credit Line Increases, Credit Cards, and Personal Loans. Adverse Action against a Consumer is against the LAW ... According to the Equal Credit Opportunity Act which is Codified in 15 USC 1691 ( c ) and is Pursuant to Civil Liability Under 15 USC 1692 ( k ) I Have Proof that I was Discriminated against by Nvay Federal Credit Union Due to the Response I Received. Navy Federal Crediut Union is in Violation of 15 USC 1642, USC 1681 ( m ) and CFR 1002 Because. I The Consumer made an Application in Good Faith but was Denied Credit. 

Furthermore, Because my Social Security Number ( CREDIT CARD ) was used and I Received No BENEFITS this is Proof of Fraudulent Activity ( Unauthorized use of Credit ) on behalf of Navy Federal Credit Union. If Navy Federal Credit Union Fails to make an Reasonable Procedures to Resolved this Matter and Compensate me for the Use of my Credit Card I will indeed Make Navy Federal Credit Union Criminally And Civilly Liable for all Actual Damages Pursuant to 15 USC 1681 ( n ) and 15 USC 1681 ( o ). 
I will Also Follow up with an Invoice for said Violations ( {$10000.00} ) per Violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX on XX/XX/XXXX The companies in question XXXX Equifax XXXX All credit agencies Had 30 days to delete or remove the fraudulent items below also had 4 buisness days to remove the Fraudulent items within 4 buisness days after acknowledgment of the items confirming and identifying identity theft according to Section 605 B of the FCRA! Equifax have violated my consumer rights My attorney have sent Equifax a certified representation letter and Faxed proof of identity theft information they have not responded or removed the fraudulent items from my credit report Equifax - Collection ( XXXX XXXX XXXX XXXX $ Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Also XXXX and Equifax blocked me from viewing or logging in to dispute online Equifax have not updated any information or deleted fraud inquiries or Accounts XXXX had 30 days to remove BELOW ACCOUNT XXXX XXXX XXXX $ collection And any accounts thats showing late payments Ive also sent a certified letter to XXXX Verifying Drivers license Proof of address XXXX XXXX XXXX XXXX XXXX Texas XXXX Phone XXXX Police Report FCRA letter section 605b they have not removed the fraudulent accounts according to ftc! These companies have not provided me any proof of the original contract nor they provided me proof as to how these accounts are mine with that being said all comps murd above had 30days to resolve my dispute they all have failed to protect my consumer rights as of XX/XX/XXXX XXXX taking legal action in federal court to recover emotional distress And violations of my consumer rights!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ERC
State: TX

Complaint narrative:
I am a victim of identity theft and must continuously monitor my credit as there continues to be fraudulent accounts on my credit file. The fraudulent items are 2 XXXX accounts, XXXX BankXXXX XXXX account, XXXX XXXX XXXX  and 2 Enhanced Recovery accounts. These accounts were not authorized by me and are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and must continuously monitor my credit as there continues to be fraudulent accounts on my credit file. The fraudulent items are 2 XXXX  accounts, XXXX BankXXXX XXXX account, XXXX XXXX XXXX  and 2 XXXX XXXX accounts. These accounts were not authorized by me and are fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/2022 I received 2 emails. The first was asking me to activate a credit card account and the second was that my updated XXXX  score was available. I had not asked for a credit card, so I checked on my XXXX  score first. 
My XXXX  score had dropped and when I looked to see why, it was because a credit report was pulled. When I looked to see who pulled the credit report, it was from Bank of America. That was who sent me the message about the credit card. 
When I contacted Bank of America, they said that they granted the credit card on line to someone who had the correct information for me. At that point I asked them why I didn't get a text or email to confirm it was me who was applying and their answer was that was not part of the process. Considering that if I go into the bank or call them on a banking matter, I get a text message to my phone that I have to respond to so that I can proceed, it seems to be a big security hole if they allow someone to get a credit card in my name without that text message verification. 
The BOA " fix '' was for me personally to contact all 3 credit reporting services to put a lock on my credit reports so that no one can pull a credit report. They didn't close the credit card account, claiming that the phone call from me was cut off. Since no one called me back in that case, I had to call them and spend more time on the phone to make it happen. 
Identity theft is unfortunately getting more common. BOA should not be allow to continue to have this security hole. I shouldn't have to be the one to jump through hoops to correct the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2022 I disputed the following account XXXX XXXX XXXX ( XXXX ), XXXX BANK ( XXXX ), XXXX ( XXXX ), XXXX XXXX ( XXXX ) I requested that Equifax do a in depth investigation of this account reporting as the account details are not reporting accurately. I also requested that this company remove the inaccurate reporting from my consumer report within 30 days! Equifax has yet to respond to my dispute. I would like for this account to be removed immediately as it is affecting my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
I did not apply for a loan. I had never heard of them or had and contact with them in any way. Tower loan supposedly sent a live check in the mail for over {$4000.00} in my name. Someone cashed it at XXXX XXXX XXXX. They want me to sign a fraud affidavit with them and have aggressively called me 100s of times but considering what has already happened I do not trust them. I feel what they have do is highly illegal and it now shows up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX # XXXX {$260.00} XXXX XXXX  # XXXX {$3500.00} XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX {$15000.00} XXXX XXXX  # XXXX {$75.00} XXXX XXXX # XXXX {$380.00} XXXX XXXX XXXX XXXX # XXXX {$7100.00} XXXX INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I did not authorize these companies to obtain my personal information to get credit accounts. I have no knowledge of these companies and whom may have used my personal information to obtain these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX # XXXX {$260.00} XXXX XXXX  # XXXX {$3500.00} XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX {$15000.00} XXXX XXXX # XXXX {$75.00} XXXX XXXX  # XXXX {$380.00} XXXX XXXX XXXX XXXX # XXXX {$7100.00} XXXX INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these companies to obtain my personal information to get credit accounts. I have no knowledge of these companies and whom may have used my personal information to obtain these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Last Friday, XX/XX/2022, I received a phone called. The person said that they were with Dept. of Education and that I qualified for student loan forgiveness. Now, normally since I have an XXXX those type of phone calls comes up as " Scam Likely '' on the called ID. Also, I've received a phone call a couple of years ago and went through something similar. During that time, I was told that third party companies ARE NOT with Dept. of Education, so when I received this phone call stating that they WERE with Dept. of Education, I thought it was legit. They asked me a few questions and I answered. They then gave me a user name login for FSA and asked me to recite the code received to my phone. I thought it was weird, but I gave it to them anyway. Then, they transferred me over to another representative. As I'm on hold, I googled ways to know if I'm being scammed via FSA. And on the site it clearly states that Dept. of Education will not ask for your password and that if they had that information they could use it to sign documents without me knowing. So, when the new representative came on the phone, I asked him again if they were with Dept. of Education and he said no. So, I hung up. I didn't give them any payment information or paid any fee of any sort. But they did have my login information. I immediately changed my username and password and called my loan provider. That person stated that that's all I could at the time and that I was good. I received an email from Dept. of Education today, XX/XX/2022, about suspicious activity about a third party on my account. I called Nelnet again and they stated they don't see anything new or suspicious on their end, but to change my password just in case ( which I did ). I called FSA and the representatives told me that they don't see anything new or suspicious on my account either. But they did inform me to file a complaint here to have you all look into fraud or anything new for the future. I've also removed any saved payment account on Nelnet to ensure that these third party companies will not take any payments from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK
State: NM

Complaint narrative:
Sent credit cards in the mail from XXXX  XXXX, XXXX of XXXX, Discover, XXXX XXXX, and XXXX that I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2022 I disputed the following account XXXX XXXX XXXX ( XXXX ), XXXX BANK ( XXXX ), XXXX ( XXXX ), XXXX XXXX ( XXXX ) I requested that XXXX do a in depth investigation of this account reporting as the account details are not reporting accurately. I also requested that this company remove the inaccurate reporting from my consumer report within 30 days! XXXX has yet to respond to my dispute. I would like for this account to be removed immediately as it is affecting my privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The CRA 's ( Transunion, XXXX, and XXXX ) have refused to communicate via phone, letters, or internet on why my account is frozen. I have sent in paperwork without getting a response. I have called ... each CRA has refused to rectify this situation. My credit report has not been updated in over 9 months. I have creditors calling me about accounts I have not opened. I need this situation to be corrected. I need help. Please reach out to me @ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
sent them a request to validate the alleged debt on XX/XX/22 certified mail they failed to send the proper validation of debt within 30 days further more they sent my private medical records to me with out proof of my authorization for them to release them and or any type of contract and form Bering my signature giving them authorization to have and or release my medical records, there for the debt is un-validated and they have failed to validate the debt and are in direct violation of HIPPA privacy act and are not cfpb or fdcpa compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TN

Complaint narrative:
2 Remaining Negative Accounts. 

Account Name : SIMMONS XXXX Account Number : XXXX Account Name : XXXX XXXX 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 explanation
Consumer complaint received 2022-07-19 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out and did not receive anything in the mail. When I did not receive a response I sent a second letter and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.

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