vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 00:00:00
Product: Credit card or prepaid card — Store credit 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: TX

Complaint narrative:
I purchased two beds on XX/XX/2022, a side table on XX/XX/2022 and one other bed on XX/XX/2022. The first two beds and the side table were delivered to our address in XXXX, Florida. The thirds was scheduled to be delivered to our home in XXXX, Texas ( this was also supposed to be delivered in Florida ). We were told it is our mistake even though the order was placed by a Macy 's representative over the phone. We decided to return all the furniture and requested a refund. The bed being delivered to Texas was never delivered and the beds and side table that were delivered to Florida was going to be picked up. 
After several phone calls and multiple hours spent with Macy 's representative in different departments and different parts of the world, the piece of furniture were picked up in XXXX separate pickups. We have requested for a refund as none of the beds or the side table were opened from their original packaging. 
Macy 's have give us every excuse under the sun, are in position of the merchandise and are refusing a refund. 
Macy 's credit card refused to place the debits in dispute or provide us a refund.

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 2022-04-19 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: IL

Complaint narrative:
I sent Experian a letter dated XX/XX/22 to request verification of debt and HIPAA authorization. I requested the following : - The names and business addresses of each individual with whom the information was verified - The date the credit furnisher was contacted - The method of communication used to verify the information - Original contract/application with my signature - Copy of my signature with XXXX XXXX to release my medical records. - Full documentation of what they received from XXXX XXXX in connection with the alleged debt. Experian sent me the same thing that XXXX XXXX sent me, which was an itemized statement and account summary that was created by them ( XXXX XXXX ). The invoice is spelling out a specific treatment that was allegedly given, and although I am not claiming this debt, that is a HIPAA violation. I never received any type of verifiable proof of this debt or a consent form giving my HIPAA authorization.

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 2022-04-19 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it may concern : I sold my home on XX/XX/XXXX. 2022 the lender was paid off in the month of XX/XX/2022. 
XXXX the lender reported me to all 3 credit reporting agencies as 30 late for the month of XX/XX/2022 which affected my credit and my chances of qualying to buy a new home, as my creedit score dropped by over 100+ points, and I can't qualify for a loan due to the 30 day late on my credit report. 
Please help get t his resolved as the client services at XXXX are not willing to resolve this issue, i called them on XX/XX/XXXX & XXXX 2022 and both client service agents where rude and did not help me at all. 

Thank you

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 2022-04-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern : I sold my home on XX/XX/XXXX. 2022 the lender was paid off in the month of XX/XX/2022. 
XXXX the lender reported me to all 3 credit reporting agencies as 30 late for the month of XX/XX/2022 which affected my credit and my chances of qualying to buy a new home, as my creedit score dropped by over 100+ points, and I can't qualify for a loan due to the 30 day late on my credit report. 
Please help get t his resolved as the client services at XXXX are not willing to resolve this issue, i called them on XX/XX/XXXX & XXXX 2022 and both client service agents where rude and did not help me at all. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: DC

Complaint narrative:
On XX/XX/2022, I The consumer notified XXXX now part of XXXX of the continue billing error on account # XXXX that was not updated and got a case # for XXXX, XXXX now part of XXXX representative told I the consumer that it was still a balance due on the account of {$610.00} that I the consumer owe, I notified the representative that I sent Tender of payment pursuant to UCC 3-603 and Endorsed the Instrument WITHOUT RECOURSE pursuant to UCC 3-415 ( b ) through the mail on XX/XX/2022 and it was received on XX/XX/2022 by a XXXX XXXX, at the time the payment was {$510.00}, XXXX now part of XXXX never denied or returned my Instrument therefore accepting the Instrument and still claiming I the Consumer owe this alleged debt that haven't been validated nor verified pursuant to 15 USC 1692g- Validation of debt which is a violation of the ( FDCPA ) federal Law, XXXX now part of XXXX is in violation of UCC 3-309 ENFORCEMENT OF LOST, DESTROYED, OR STOLEN INSTRUMENT as well XXXX I the consumer ask for the supervisor and the representative transferred me over to a ( XXXX XXXX, ID XXXX ) operating out of I.C. System Inc. I thought he was a supervisor, turned out to be a DEBT COLLECTOR which is False or Misleading representation pursuant to title 15 USC 1692e ( 10 ) ( 11 ) -The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer, I the consumer never got FULL DISCLOSER of ANY of these terms, XXXX now part of XXXX and I.C. System Inc. are committing IDENTITY THEFT and FRAUD and is in violation of UNFAIR PRACTICES as well pursuant to title 15 USC 1692f. I the Consumer/Beneficiary demand account # XXXX be updated, credited and zeroed out Immediately or I will file for litigation in accordance with the FDCPA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1692k under the civil liability section.

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 2022-04-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
We began the process of applying for a construction loan with Truist Bank to build a modular home in XXXX of XXXX. We received a pre approval in XX/XX/XXXX. The mortgage loan officer was frequently unresponsive and then in XXXX of XXXX the officer changed without any communication from our original loan officer. Currently, the bank is continuing to ask for more documentation that was not originally stated we needed such as references for our contractor. Documentation has also expired due to the numerous delays such as our credit score. Our credit has had hard inquiries 3x which has impacted our scores. We have reached out to the supervisor but there continues to be no resolution.

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 2022-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS Account Resolution has claimed I am in debt for {$110.00} on XX/XX/2002 and flagged my credit account with multiple credit bureaus for " collections '' effectively dropping my credit score by XXXX points. When I was contacted YEARS ago about paying a medical bill, I informed the woman on the phone that the bill was covered by my insurance through XXXX XXXX, and said I needed proof of debt by mail so I could dispute it properly or pay it if my healthcare provider confirmed it was still outstanding debt. I heard nothing back from ARS since then, and never received any proof of debt through paper, or any other mode of communication like I asked for. Years later a collection account is opened and all relevant credit bureaus now have record that I have unpaid debt.

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 2022-04-19 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: TX

Complaint narrative:
XXXX showing three accounts on Experian that XXXX can not validate or locate. please see uploaded statement

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 2022-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Debt was paid but still shows up on credit report unnecessarily. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

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. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, XXXX  XXXX 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

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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. Companies below has violated my rights. 

Company Name : XXXX XXXX XXXX Account Number : XXXX Company Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 an 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 2022-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AZ

Complaint narrative:
From XXXX I submitted paperwork to my student loan servicer, previously XXXX and now Fed Loan Servicing , to have my payments adjusted based on an Income Driven Repayment ( IDR ) plan. I would call and speak to agents who would repetitively state they did not receive the fax with my proof of income or my Public Service Loan Forgiveness ( PSLF ) paperwork. Eventually I would call and agents would state they " received my paperwork '' and I was " approved '' for a payment of {$0.00} based on my household income, the servicer would advise me to call back in a year to recertify. During XXXX, XXXX, and XXXX my loans went delinquent between 90 - 180 days before I was mailed a statement multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I then called and was pushed into Administrative Forbearances to clear my " overdue balance '' and then put in a General Forbearance while I again recertified my income. The only paperwork I can find is the letters from Fed Loan in XXXX - XXXX of XXXX. This income driven/PSLF process was confusing and repetitive. I thought it was just me, but now I see the stories that hundreds/thousands of others faced the same predatory practices that have negatively impacted my credit report and now my PSLF/TPSLF payment count. I have attempted to resolve this issue with Fed Loan Servicing as well as a FCRA dispute ; neither option has worked to correct the issues. Under the TPSLF program I was credited every other month in XXXX ( XXXX, XXXX, and XXXX ) while working for a qualifying employer. Then I was credited single months in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as a qualifying payments. These random dates make no sense and further my confusion about what sloppy and inconsistent servicing was provided in the years prior to the COVID forbearance. In total these practices of " lost paperwork '' and pushed forbearances have cost me 38 qualifying months that I would have been in an approved IDR plan and credited for PSLF payments. I know this was a servicer issue because my other set of loans ( Perkins loans for {$11000.00} with my university ) required certification yearly for five years ( XXXX ) which I completed and were forgiven. My loan delinquencies, forbearances, and credit reporting are isolated to XXXX and Fed Loan servicing issues, not my inability to complete the proper paperwork in a timely and accurate fashion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm showing three accounts on XXXX that affirm can not validate or locate. please see uploaded statement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: IL

Complaint narrative:
I sent Equifax a letter dated XX/XX/22 to request verification of debt and HIPAA authorization including the following : Per my rights under HIPAA, I requested : - Copy of my signature with XXXX XXXX to release my medical records. - Full documentation of what they received from XXXX XXXX in connection with the alleged debt. Per my rights under FCRA Section 609 ( a ) ( 1 ) ( A ), I requested the following : - The names and business addresses of each individual with the debt was verified for follow-up - The date the individual furnisher was contacted - The method the furnisher was contacted - The method used to verify the information - The original consumer contract with my signature on it. Equifax sent me an updated credit report stating the information was verified. I never received any type of verifiable proof of this debt or a consent form giving my HIPAA authorization from Equifax OR XXXXXXXX XXXX  ( furnisher ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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 confidentially under 15 USC 1681. XXXX XXXX # XXXX XXXX XXXX XXXX # 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 : also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
On XX/XX/22 I sent a debt verification letter, which I will attach. I requested MULTIPLE items to verify that it was really my debt. I do not recall this debt owed. The item they sent back was simple, did not include what I requested at all ( I attached the ONLY item they replied with ) I requested an itemized final bill, a copy of the written agreement or promissory note I signed relating to this purported debt, when the debt was obtained by CCS, the amount they purchased the debt, the creditor 's address and name etc. 

In BOLD text I requested " physical verification of the original signed consumer contract '' I also requested details on their agency if they have a collection license in my state and if they are out of state their license number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
unauthrzed hard inqurit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
Freedom Mortgage has continued to lose my payments since XXXX or say that they did not receive them. I pay every two weeks and never been behind nor late. I have done everything that I suppose to do as of making my payments on time. I'm always getting lied too or told different stories. I have asked for my new payments for the month of XX/XX/XXXX and they are still refusing to give it to me. Stating that my escrow plays apart in this. And, I was never told that before. My mortgage went up because my insurance went up so since I changed insurance companies Freedom Mortgage still has not yet told me my new monthly payments. First, it was XX/XX/XXXX payment that was missing. Second, it is XXXX and XXXX 's payment missing. Third, there's a shortage in my escrow account. Nobody has been truthful at all. By, law I have the right to know what's my XXXX 's payment is. And, they already received my new insurance policy. And, they are refusing to give it to me because there waiting on a check from my old insurance company. Which, don't have nothing to do with me. I cancelled it and that's all I can do. There's no reason why I don't know what my new monthly payment is. And, one of there agency said that I received the check and I have not received nothing at all period. The sad part is that they have the money and acting as if they did not received it. Here 's a complete breakdown. XX/XX/XXXX 1st partial for XX/XX/XXXX. XX/XX/XXXX final payment for XX/XX/XXXX. XX/XX/XXXX XXXX partial payment for XXXX  XXXX. XX/XX/XXXX final payment for XX/XX/XXXX. XX/XX/XXXX 1st partial payment for XX/XX/XXXX. XXXX  XXXX, XXXX final payment for XX/XX/XXXX. XX/XX/XXXX 1st partial payment for XX/XX/XXXX. XX/XX/XXXX was my final payment for XX/XX/XXXX. And, XX/XX/XXXX will be my 1st partial payment for XX/XX/XXXX. I did a breakdown sent in bank statement and they still refusing to give me my XXXX 's payment..

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