vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
ARS Account Resolution Services has reported a collection account to my credit file in the amount of {$69.00} to my XXXX credit file. ARS Account Resolution Services has never sent me a notice of collection to notify me of any alleged debt. Therefore, attempting to collect and report this debt to the credit bureaus is a violation of the FDCPA. This debt is not valid thus ARS Account Resolution Services has no legal right to report this to my credit and attempt to collect a debt. I never authorized any debt in the amount that XXXX XXXX is reporting. By reporting a debt to my credit without validation ARS Account Resolution Services is in violation of the FCRA.

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 2021-06-03 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: CA

Complaint narrative:
There are 9 different student loan accounts on my credit report that DO NOT BELONG to me I have tried to dispute these with the bureuas and the furnisher and they are not doing anything about this this is clearly identity theft and I need this taken care of!!! 

Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account

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 2021-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
I reached out via email on XXXX.21 and asked who this company was and why they put two different accounts on my credit report, the person responded and was like oh we sent your account over to collections. 

I called them on XXXX2021 ( the collections dept. ) and inquired about the debt. I provided my name, ssn, and dob. None of the identifiers provided matched that account. All they had was my name and an address that I updated thru the postal service. The representative was like I'm not sure what's going on. Put me on hold and then hung up. 

I called the XXXX XXXX  company on XXXX.2021 and told them about the conversation I had with the debt collector. I provide all of the same identifiers and they were unable to attached that account to me besides name & address. I asked them to remove this from my credit profile because this was wrong. I was told someone would follow up with me today and nothing has happened. 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 2021-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
Again, PHH Mortgage Services ( XXXX ) refuses to provide me the itemization I have requested! Once again, I am requesting an itemized accounting totaling {$40000.00} ; which is the amount PHH Mortgage Services ( Ocwen ) charged me when I refinanced my mortgage in XXXX after 29 years of mortgage payments. I purchased my home in XXXX for {$46000.00} ( 30 year mortgage ) and PHH Mortgage Services only credited my mortgage {$6000.00} after 29 years of payments! Please send an itemized accounting of the one-time payment totaling {$40000.00} that I paid in XXXX. DO NOT SEND ANOTHER PAYMENT RECONCILIATION HISTORY! Send me the specific itemization I am asking for. 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 2021-06-03 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/XXXX I applied for a consumer auto loan with Navy Federal Credit Union. I was denied and advised upon calling customer service that I'd receive a letter with the explanation. The letter received advises that there were several factors for why I was not approved which included a credit score of XXXX that Navy Federal advised was provided to them by XXXX. On today XX/XX/XXXX I contacted XXXX  and they advised that they do not provide leaders with an actual credit score, they only provide the reports. I confirmed my XXXX  score to be a XXXX. XXXX  did not have historical information regarding what the score was on XX/XX/XXXX but I do know that when I checked my score on the XXXX via XXXX XXXX which is a XXXX XXXX product my score was also a XXXX at that time. When I contacted Navy Federal today XX/XX/2021 the representative was confident that they had been given a score of XXXX by XXXX XXXX. She also advised that the other reasons listed on Navy Federals letter had to have played a significant role in the denial decision. She followed that statement by saying that upon looking further into my loan application it looks as if the actual reason it was denied wasn't the credit report and score at all, that it based on something historical with my Navy Federal account. She advised that she did no have any detail regarding what exactly. To substantiate the information I am providing I have attached the letter from Navy Federal and a copy of my XXXX XXXX score XXXX XXXX as well as my credit score ordered directly from XXXX XXXX today, XX/XX/2021. Thinking back this is the second time Navy Federal has denied credit to me this year and I am suspicious that it was also denied the 1st time using invalid credit score information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MS SERVICES LLC
State: SD

Complaint narrative:
Mountain States Adjustment appears on my credit reports for a amount of {$140.00} owed to XXXX XXXX XXXX XXXX XXXX as a result of excessive fees on a ATM withdrawal of {$20.00}. 
I paid the amount to XXXX XXXX XXXX XXXX and do not wish to pay this amount again to this third collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
The XXXX of XXXX my identity Was stolen they stole my purse and not had everything in it from my phone to my wallet Which had my social and I had my credit cards and banking information as well as personal information they took the time to go online to the private website where they were able to gain all my information I found that out through bank statements throughCash AppXXXX XXXX in XXXX XXXX  when they went online to the private side they drained all of my funds they got on my phone and drained all my funds from XXXX and because they didnt have a XXXX credit card because it was at my house they transferred everything to the Cash App which is again on my phone Ive called Cash App and there is a buddy who answers Ive emailed them millions of times and nobody answers I am almost 8 grand in debt because they got a hold of my tax information my everything Ive contacted XXXXThis is the second time that they hang up on me out of the seven times that called I feel very unappreciated and not like a valued customers just want my money Back Ive already contacted the FBI Ive already contacted the XXXX XXXX on other thanks which wouldve been Cash App I dont mind reporting XXXX for the route customer service every time I never made a transaction my stuff was stolen what was recovered was an empty post with a crack phone What Im using right now I need yall as Im cash app amd pay pale to understandThat I never agreed or authorize any transactions and I need my money back or we can take it to legal matters and I cant get a lawyer and sue yall I am literally in some hardship right now and all I want is my money back not even the government my money do you have any questions feel free to call me at XXXX you can also email me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: OH

Complaint narrative:
Looking over my credit report and notice some a hard inquiry that I do not recognize and are all over 90 days old and this : XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX, XXXX 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 2021-06-03 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: TX

Complaint narrative:
I have correspondence from XXXX XXXX that states that they have contacted TransUnion to remove the late payments from my credit report. After not getting an update I called TransUnion and they advised me to mail a copy of the letter from XXXX XXXX. I mailed the info on XX/XX/2021, and again on XX/XX/2021, after calling TransUnion again they advised me that they have nothing from me in regards to the matter.

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 2021-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I traded in the car associated with the loan in question on XX/XX/XXXX and the 10 day pay off was overnighted to Bridgecrest by XXXX on XX/XX/XXXX. The payoff was not applied to the account untill XX/XX/XXXX which resulted in an automatic bank draft to be completed on XX/XX/XXXX for the monthly payment, even though they had the payoff amount. Bridgecrest said it was because of processing time and that they would have an answer for me on XX/XX/XXXX on when I would have my overpayment reimbursement check and how much it would be for. When I called today, they said it just went to review today and that I won't have an answer about how much or when my reimbursement check will arrive untill XX/XX/XXXX. They continue to kick the can down the road and are holding on to money that doesn't belong to them. I also received a letter on XX/XX/XXXX congratulating me on paying off the loan and notifying that the title would be sent. I do not understand how they would be able to do this without knowing what my overpayment was and how they can legally be allowed to hold onto those funds if the title is already being sent out.

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 2021-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2020 This is not mine.

2. Identity Theft XXXX  Date of inquiry : 10/22/2020 This is not mine.

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX**** This is not mine.

4. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX**** This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
I did a temporary forbearance with my mortgage company ( Loancare ). It was due to COVID and was only supposed to last 3 months. About 3 months later I started contacting Loancare about starting up my monthly payments again. Somehow they accidentally extended my forbearance. Finally, in XXXX, I got paperwork to fill out to reinstate my payments. It took a month to receive this paperwork. I got it notarized and sent it back via XXXX. Im waiting for my payments to be restarted XXXX during this forbearance they have disabled online payments for my account ). The last time I spoke with a rep they said my payments would start again XX/XX/XXXX. The forbearance missed payments are to go at the end of my loan. 

Now, unexpectedly, I am receiving letters saying my mortgage is in default and Im at risk for foreclosure. My mortgage is NOT in default. It was a planned forbearance due to COVId. Loancare has made it incredibly difficult to get my monthly payments restarted and now they are threatening foreclosure. I am devastated because Ive done everything Im supposed to and Ive been ready to make payments again.

Loancare needs to correct my mortgage so my credit isnt ruined and I dont lose my home. Literally all of this is their fault yet Im going to suffer the consequences.

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 2021-06-03 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experien has frozen my access to Social Security. I have tried to call them to find out what information they need from me to allow me to get into Social Security, but there are no humans on the phones. All I get is robots asking me the same questions, and sending me round and round in circles. It's a simple question, but it's not on their " list '' and I can't talk to anybody to ask it.

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 2021-06-03 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: GA

Complaint narrative:
Hello i was looking though my credit report and i no idea where Theses inquiries came from. I went to the dealership with my loan that I got from the credit union and I did not give them permission to run my credit for a car that I was going to purchase because I was using my credit Union company and they used my credit without my permission. I was already approved for a loan though my credit Union it is now On my credit and I will like for it to be removed for improper used or credit. I dont recall giving them permission to pull my credit

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 2021-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XX/XX/2017 our company was sent a letter that we were in breach on contract since we no longer wished to have uniform services from XXXX. We had paid the amount owed- {$350.00}. They claim that we must pay termination charges of liquidated damages in the amount o {$2700.00} with in 10 days. This is not logical. We did not like their service and, therefore, cancelled it. We have now been sent to collections. I did not know about the {$3800.00} amount owed until I checked my business credit report on Experian. They never even notified us that they took that action. This has been going on for ( 4 ) years ....

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 2021-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
PennyMac is my mortgage servicer. I am obliged to have an escrow with them so they are supposed to handle paying my homeowners insurance and taxes. They failed to pay my insurance premium claiming that they had a problem with the payment. They failed to notify me of this problem until after my insurance expired, opting to mail me a letter after the expiration date of my insurance plan. They then put force placed insurance on my home. Upon receiving notice I promptly resolved their problem for them. I believe that I have been wronged. The servicer must send the first notice at least 45 days before purchasing a force-placed insurance policy. The servicer must then send a second noticea reminder noticeno earlier than 30 days after the first notice and at least 15 days before charging the borrower for force-placed insurance coverage. This notice must include the cost of the force-placed insurance or a reasonable estimate of the cost. ( 12 C.F.R. 1024.37 ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
THEY ARE CHARGING ME DOUBLE OF WHAT THE CAR WAS WORTH AND PUT IT ON MY CREDIT. THEY ALSO REPOED MY CAR AND SAID THEY DID NOT. I DIDNT DRIVE IT BECAUSE iT WAS RECALLED BEFORE I BOUGHT IT, WHEN I DROVE IT EVERY SO OFTEN THE STEERING WHEEL WOULD KEEP XXXX  ALL OVER THE ROAD. I MADE THE COMPANY AWARE WITHIN THE FIRST 2 WEEKS OF MY PURCHASE. I ALSO PAID FOR THE GAP INSURANCE AND NOBODY HELPED ME GET IT FIXED.

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 2021-06-03 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: AL

Complaint narrative:
On XX/XX/21 I disputed a public record bankruptcy on my transunion credit report requesting validation/accuracy/verificatuion of entry. They responded by asking for more documentation. Therefore I responded by sending a letter from the alabama court saying they do not send this info to the bureaus. And from what i have learned, correct me if Im wrong, is all information on a consumer 's credit report must be verified with the original holder of information. In my case, the US alabama bankruptcy court. And according to them they do not send this info in to the 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 2021-06-03 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: R.M. Galicia, Inc.
State: CA

Complaint narrative:
My Medical bill account was paid in full as of XX/XX/2021 and I was aware that the account was to be removed and I then I was reported 90 days late for this medical bill after it was paid off and it still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and an unknown item XXXX XXXX XXXX XXXX XXXX on my credit report. It has been over 45 days since I sent out that letter and I still have not received a response yet. I feel like I'm being taken advantage of and my dispute is being deliberately ignored. Section 611 ( a ) clearly states that faiure to investigate a disputed item within 30 days is a valid reason to have the item immediately removed from my credit report. It has been over 45 days so the item should be deleted promptly. I demand that the XXXX XXXX XXXX  account be deleted immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation