vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Resolution Corporation
State: MO

Complaint narrative:
I had a procedure at a local hospital. I received a bill for the local hospital, which I paid that week. Several months later I received a letter from the collection agency< Account Resolution Corporation, working for XXXX XXXX XXXX. The letter read, that my bill has been sent to collections. I called Account Resolution Associates who gave me the phone number of their client, XXXX XXXX XXXX, who I called immediately. They looked up my account and said I had a XXXX  balance and there was nothing I could pay. I then called the hospital that sent the previous bill, they too said that I had a XXXX  balance. I called the collector back and told them what their client told me. Their response was, my account showed XXXX balance becasue it was written of to debt collection. I told the collection agency to have their client send me a itemized bill so I knew what I was paying for. I never received the bill from the imaging place. I then called the collection agency again, they insisted the itemized bill was sent. I told them I would not pay the bill to them, I would pay it to Diagnostic imaging, unfortunately thay have no outstanding balance for me to pay. My debt was then sent to collections, dropping my credit score. 

Are their not any rules/regulations in place to keep misinformed uneducated debt collection agencies from doing this to someones credit score?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
On Friday, XX/XX/2020 we refinanced a home mortgage with a new company, therefor paying off our mortgage with Quicken Loans. Our mortgage payment for the month of XXXX would be due on Monday, XX/XX/2020. On the XXXX I received an email from Quicken Loans regarding a late fee by end of day. Our new loan was scheduled to pay off Quicken on the XXXX or XXXX. I promptly called Quicken in response to the email, which I had already planned on doing that day before the email, and spoke with XXXX in regards to the email, explaining the situation and concerns about our payment being late, caught in the midst of the payoff. She told me that since I had never requested a late fee waiver, that I could call when I got notice of the late fee and it would be waived. I did not receive a notice of the late fee, and our new loan paid out to Quicken on XX/XX/2020. I called on XX/XX/XXXX, to request that our escrow be direct deposited. I also asked if there had been a late fee charged and was told that a late fee of {$67.00} had been charged and would not be refunded to me. I was turned over to XXXX XXXX at XXXX. I again explained all of the above and she proceeded to tell me that I would not be issued a refund of the late fee. I was on the phone for at least ten minutes discussing the issue, explaining the situation and asking why it would not be allowed to be refunded. Her best response to me was that once it was in escrow and paid out, it could not be refunded. I find that utterly senseless and during these times shameful. We are small business owners and have, as so many others, been affected by what is today going on in the world. The conversation ended with XXXX refusing to do anything more and that I would not be issued a refund by Quicken, pretty much end of conversation. Shame on Quicken for not having more understanding and not attempting to assist me in any way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
XX/XX/XXXX, ( after XXXX ), I had called New Rez regarding making payment arrangements. I spoke with XXXX XXXX, who kindly assisted me in the matter. Mr. XXXX advised that I would qualify for a forbearance. I gave the authorization, and approved for a forbearance. This was effective XXXX, XXXX. Since then I have received an overabundance of collection calls and letters. When speaking to the associates, who are aggressive in their collection methods, I make mention that my account is in forbearance. At this point the associate rescinds their collection script and apologize. This has been occurring every month since XXXX with the associate advising that they will notate the account. Now, on XX/XX/XXXX, I have received eight pieces of mail threatening default and acceleration. I have complied with the forbearance and made payments at the end of the month. I am due for XXXX and XXXX at the time of this writing. I have called New Rez and have been hung up three times and transferring all over the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 non-monetary relief
Consumer complaint received 2020-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am XXXX XXXX XXXX. The account that shows on my credit report is for XXXX XXXX. I have mailed XXXX, XXXX, and Transunion a dispute to validate this information and have received the response that this information has been validated and belongs to me. They did not verify who they spoke with and how this information was validated. Below is the letter I sent to them on XX/XX/2020. 

XX/XX/2020 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days

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 2020-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Io, Inc.
State: PA

Complaint narrative:
Debt in question was from a minor I was chaperoning to an urgent care visit. I am not her custodian or legal guardian Moreover, the minor had valid insurance coverage at time of visit but original creditor never submitted billing to proper insurer Regardless, I just took her to urgent care while her mother was away. Why am I responsible for this debt?! All I did was help someone out my bringing a minor to the doctor!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SFMC L.P.
State: TX

Complaint narrative:
I have vehemently protest and demand that Service First Mortgage recalculate their Escrow amount as my monthly payment on a 30 year fixed 4.5 % interest FHA loan went up by over 15 % from {$2200.00} to a ridicules {$2500.00} I have tried to explain to them this is because of a faulty algorithm the company uses. The amount in escrow and payments were due to insurance claims for a replacement roof, not from regular escrow transactions. These were not real escrow overages or shortages, and certainly not worth a {$3600.00} additionally annually. I am willing to pay the overage for the time being, and the extra {$300.00} but it will be applied to the principal not escrow. This needs to be resolved ASAP COVID-19 virus or not. I have sent copies of this inquiry to the Texas Office of the Attorney General and to the CFPD. With my annual Taxes and Home Owners insurance not going up, there is no reason to be increasing my monthly payment by over 15 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: GA

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-03-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: KY

Complaint narrative:
Received texts and calls from person/s indicating that they worked with MRS Associates debt collection about a debt owed to XXXX XXXX. I have zero knowledge of having any debts owed and the numbers do not match listed numbers for MRS Associates so I believe them to be completely fraudulent. 

The number that they called with is : XXXX They texted with : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/2020 I attempted to use my temporary debit card to purchase something and it was declined. I was confused because I knew I had more than enough funds in the account to cover the purchase. I called US bank right away and the automated answering system informed me that my card was put on hold for suspected fraudulent activity and it asked me to verify if I made any of those transactions ( {$1300.00} ) which I did not. I was transferred to fraud department by the automated system and I explained to them what happened and they filed the claim for me explaining that provisional credit will be available in 10 business days. They instructed me to break and throw away the card that was compromised and I would get a new one in the mail. They also instructed me to fax back a declaration form which I did the next day on XX/XX/XXXX. I called US bank on the XXXX of XXXX Friday and I was informed that it hasnt been 10 business days yet and to wait till Monday the XXXX. Fast forward to today XX/XX/XXXX, I called US Bank once again to inquire as to why my provisional credit wasnt provided after checking my online account. After a long hold, they informed that my claim had been closed since XX/XX/XXXX and the investigators determined that I initiated those fraudulent transactions. I was shocked by this because no one told me this on Friday when I called and i asked to speak to the claim investigator but they told me only they can call me so I have to wait for their phone call. I am beyond frustrated because US banks fraud system detected this fraud in the first place and my card was placed on block due to those transactions which I verified were not initiated by me the same day when I tried to use my debit card. To add to all this frustration, A US bank branch manager in XXXX sent me a letter informing me that my account would be closed at the end of XXXX for no reason. When I called for answers they told me they had the right to do that and do not need to provide me any explanation. I have been US bank customer for over two years and Im really disappointed with how they are treating 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 monetary relief
Consumer complaint received 2020-03-23 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Im a victim of identity theft someone got my XXXX card and used it, when I first noticed it I called the company and let them know what had happened, they closed the account and sent me a new card. And up to this day theyre still asking me to pay for something I didnt used.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Im a victim of identity theft someone got my Bloomingdales card and used it, when I first noticed it I called the company and let them know what had happened, they closed the account and sent me a new card. And up to this day theyre still asking me to pay for something I didnt used.

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 2020-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
Now this account originally was with XXXX XXXX XXXX which was disputed in writing and then on this website which was removed and deleted. Which I have proof for {$120.00} back in 2019. Now I recieved a letter for the same amount for the samething but from a different collection agency. Now you are in several violations of the Fair Credit Reporting Act as well as HIPPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: GA

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention :

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 2020-03-23 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: GA

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention :

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 2020-03-23 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: CA

Complaint narrative:
I filed a compliant a few years ago and these accounts just showed up again that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I know these are tough times, I applied for a loan on XXXX, during this time I was stonewalled, send this, send that, even infuriating managers at branch I filled the loan out. Not sure but I detect discrimination, its only a XXXX loan. Was approved for XXXX on XXXX, now I find out on XXXX I was denied after being approved. Never seen anything like this in my life, yes or no usually takes 2 or 3 days at most.

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 2020-03-23 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: CA

Complaint narrative:
My XXXX XXXX  debt was dismissed without prejudice in Superior Court of California , County of XXXX XXXX on XX/XX/2019, case # XXXX and should therefore be erased from my credit report. I have complained to both XXXX and TransUnion, have filed investigations with TransUnion, file number XXXX, sent copies of court documents showing the debt was dismissed, yet the debt is still being reported as a currently owed bad debt on 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