vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Today, XX/XX/XXXX, we contacted Wakefield & Associates XXXX XXXX XXXX XXXX XXXX, TN XXXX ) by phone ( ( XXXX ) XXXX ) to discuss an item that had appeared on my ( XXXX XXXX XXXX XXXX credit report. It was a bill for ambulance service and ER visit that had happened on XX/XX/XXXX. At the time of service, we had submitted my ( XXXX XXXX XXXX XXXX insurance XXXX both XXXX and XXXX XXXX, which all parties XXXX both hospital and ambulance service ) failed to file. After repeat attempts to get them to file insurance as they sent us bills, we eventually stopped receiving bills and had assumed that they had finally filed insurance for payment. 

Fast forward to today, when in contact with the collection company XXXX Wakefield & Associates XXXX, on a recorded line, the gentleman told us that the insurance had been filed and denied, making the debt ours. We told him we disputed the claim and would contact the insurance company and find out the reason for the denial. We called XXXX XXXX XXXX XXXX XXXX and XXXX is through them XXXX and we had them contact the collection company as the insurance company said they would be glad to pay it. While on the phone with the insurance company, the collection agency admits the bill has NEVER been filed with insurance. They falsely represented us as the owners of the debt by directly lying about the state of the debt and its status with the insurance. Insurance is currently working through it but I still wanted to file a complaint because if someone who was not as persistent as me was in this same situation, these tactics could very well bankrupt someone else. Please look into it. The most it will cost me is a few headaches on my credit report but it could cost someone else a whole lot more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc.
State: FL

Complaint narrative:
RGS Financial called me back in XX/XX/XXXX. I didn't know who they are, but the representative told me I owed a debt. I asked for their information so I can send them a letter in the mail. I sent out the letter XX/XX/XXXX asking for validation of the so called debt I am claimed to owe. This have been over 50 days ago and still nothing. So I go to look at my credit report and I see they have put the collection on XX/XX/XXXX under account # XXXX. This account is not mine, it says last payment was XX/XX/XXXX. This is not my account, two FDCPA laws are being violated here. One, not responding back with Validation of debt showing my signature on a contract. Second, reporting a so claimed debt that's past the Statue of Limitations and maybe Third, false re-aging of an account. Please see letter sent attached and theXX/XX/XXXX Reporting screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: AL

Complaint narrative:
In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified and inaccurate accounts :XX/XX/XXXX -- XXXX premier -- XXXX. 
XX/XX/XXXX -- XXXXXX/XX/XXXX -- XXXX bank -- XXXX/ Today card -- XXXX XXX. In these two months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. 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 explanation
Consumer complaint received 2021-04-01 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: PA

Complaint narrative:
Experian needs to remove this account from my credit file. XX/XX/XXXX and XX/XX/XXXX has already verified that neither of these accounts belong to me and have been removed. I was a victim of identity theft, I've been fighting for years to get my credit back on track. I have written letters filed police reports and Experian is the only one who as yet to take these accounts off my file. this person has absolutely ruined my life opening accounts, cards, bank accounts and loans. I truly believe this was a family member. In 2014 I did not have a income to open new accounts. This person paid on accounts over time continued using my credit then stopped. I've reached out to the creditors and Experian with the police reports, copies of my lease showing where I lived at the time these accounts were opened, letters that this is a violation of the fair credit reporting act and I have been ignored, yet XX/XX/XXXXandXX/XX/XXXX verified these don't belong to me. 

XX/XX/XXXX for the amount of {$2500.00} opened XX/XX/2014 XX/XX/XXXX in the amount of {$15000.00} opened XX/XX/2014XX/XX/XXXX in the amount of {$4100.00} opened XX/XX/2014

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 2021-04-01 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:
I charged an online purchase with my Macys Card. The following month I paid the amount in full. My payment was returned to my account unbeknownst to me. 

My account therefore received a late fee and negative comments on my credit report which lowered my score 50pts. 

When I contacted customer service, they removed the fee without me even asking and I paid the amount in full. Customer service then told me to call another number and a good will removal to remove the negative comments from my credit report. When I called that number they refused to do so. I need your help to get the good will removal as I have been repairing my credit score after a divorce.

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 2021-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
This is a formal complaint against Carter Young Inc located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XX/XX/XXXX and XX/XX/XXXX. And not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Carter Young has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: TN

Complaint narrative:
I have contacted and notified all parties involved : XX/XX/XXXX TransUnion, Us Dept Ed, and Dept EdXX/XX/XXXXof these fraudulent account ( s ) reflecting my credit report.US DEPT ED {$7100.00}, US DEPT ED {$4100.00} and DEPT ED/XX/XX/XXXX {$5900.00}, DEPT ED/XX/XX/XXXX {$3500.00}. I have continued to receive the same frivolous responses from all parties involve.

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 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I tried to dispute this on the XX/XX/XXXX credit site but was unable to do so. No phone number for Commenity Bank was provided onXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My account randomly became frozen on XX/XX/XXXX under the caption " due to recent activity that triggered some security alerts. '' When I tried contacting customer support to try to figure out what triggered alerts and reactivate my account, I received a message stating I would be contacted via email in 5-7 days. In 6 days ( XX/XX/XXXX ) I was contacted via email and still received no definitive answer for what had happened to my account and why. The email stated that the case requires additional attention from another team and that they will reach out to me. Later that same day XXXX received this message : " I AM SORRY BUT THERE IS NO FURTHER INFORMATION OR DETAIL I CAN PROVIDE ABOUT WHY THE ACCOUNT IS Suspended. Do NOT, under any circumstance, tell the account holder that : they are being investigated ; their account is being investigated ; their account iwas suspended by XXXX XXXX or XXXX ; or any other detail or information about who actioned the account or why the account was actioned. '' Since this all began on the XXXX I still have no received information that can tell me what exactly was flagged or why i can't access my account. I have {$280.00} stuck in that account that I can't transfer because of the freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX ( A HIPAA-covered entity ) sold my medical information or otherwise violated my health information privacy rights by providing XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX my medical information. 
XXXX XXXX XXXX XXXX deceptively attempted to claim they were in compliance to provide the collection agencies XXXX CA XXXX with protected medical information for payment purposes. However, 45 CFR 164.506 ( c ) ( 3 ) a covered entity can pursue payment as long as it is conducted with or within a covered entity. The CA 's provided me list of services provided by XXXX XXXX XXXX XXXX, this is my private personal medical information. 
HIPAA and Fla. Stat. 456.057 ( 8 ) ; prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules.

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 2021-04-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX ( A HIPAA-covered entity ) sold my medical information or otherwise violated my health information privacy rights by providing XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX my medical information. 
XXXX XXXX XXXX XXXX deceptively attempted to claim they were in compliance to provide the collection agencies ( CA ) with protected medical information for payment purposes. However, 45 CFR 164.506 ( c ) ( 3 ) a covered entity can pursue payment as long as it is conducted with or within a covered entity. The CA 's provided me list of services provided by XXXX XXXX XXXX XXXX, this is my private personal medical information. 
HIPAA and Fla. Stat. 456.057 ( 8 ) ; prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules.

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 2021-04-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX ( A HIPAA-covered entity ) sold my medical information or otherwise violated my health information privacy rights by providing XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX my medical information. 
XXXX XXXX XXXX XXXX deceptively attempted to claim they were in compliance to provide the collection agencies ( CA ) with protected medical information for payment purposes. However, 45 CFR 164.506 ( c ) ( 3 ) a covered entity can pursue payment as long as it is conducted with or within a covered entity. The CA 's provided me list of services provided by XXXX XXXX XXXX XXXX, this is my private personal medical information. 
HIPAA and Fla. Stat. 456.057 ( 8 ) ; prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: LEXISNEXIS
State: CA

Complaint narrative:
Report number XXXX | XX/XX/XXXX Item name XXXX XXXX XXXX CA XXXX Identification number XXXX Claim amount Not reported Date filed XX/XX/XXXX Status Chapter XXXX bankruptcy dismissed. 

XXXX has continuously report erroneous information on my credit report, I have requested this item be removed several times. As you can see that it is still being reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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 — Investigation took more than 30 days
Company: Synovus Bank
State: NJ

Complaint narrative:
I have filed a dispute in regards to the incorrect items all my credit report it has been well over 30 days and I havent received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX AmeriHome Mortgage provided us with a check after we re-financed with another company, for the XXXX refund in the amount of {$2800.00}. Unfortunately we did not cash the check prior to the period of 180 days before it becomes void. I called their Customer Service Line at XXXX on the following dates with the following outcomes : XX/XX/XXXX spoke to XXXX indicated she communicated with the Dept that handles closed accounts and a new check would be sent out. 
XXXX ( Pacific standard time ) spoke to XXXX who transferred me to XXXX. XXXX stated she put in the request to have it issue, said new check should be received in 7-10 days. ( length of this call including hold time was 1 hr 10min ) XXXX to XXXX who attempted to transfer me to the Purge Dept ( for closed loans ) but said Dept was having issues and to call back later or on another day.On this day also told I would be unable to speak with a supervisor because there is no open loan number and that is info that they need to put in in order for them to pick up call. 
XXXX Still unable to connect to the Purge Dept XXXX to XXXX and XXXX before being able to get connected to the XXXX XXXX. 
XXXX to XXXX, in XXXX XXXX, indicated process was started on XX/XX/XXXX and that the check was re-issued. She indicated that it takes 20 days to void and re-issue check and this being 20th day, I should have the check within 7 days, to be safe b/c of mail delivery. If we do not get the check, I can call back and request to be connected to her at XXXX. 
XXXX XXXX with XXXX who was supposed to transfer to Purge Dept. After being on hold for 50 minutes, XXXX picked up, not with the Purge Dept just regular customer service. Based on feedback she was getting from a supervisor, the check was never re-issued but first one was cancelled. ( contrary to what I was told on XX/XX/XXXX ) She took down email address so that they could provide me with info about when check was sent out. Indicated I should have it within 7-10 business days. ( length of this call was 1hr 30 min )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Lenox Financial Mortgage Corporation
State: CA

Complaint narrative:
I have been trying to refinance with Lenox Financial Mortgage company since last XXXX. They have been waiting to receive subordination approval from XXXX XXXXXXXX XXXX ( I have a HELOC with them ) for some time now. 

One XX/XX/21, my XXXX credit card reported credit inquiry activity. It sited the source as XXXX, the inquiry date as XX/XX/21 and the company XXXX/Lenox Financial Mortgage Co. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Lenox did not call me to tell me they needed to run credit again and never asked my permission or received my permission to run a credit inquiry. When I called XXXX XXXX at XXXX about the credit inquiry she told me that XXXX XXXX was supposed to call me to let me know that they needed to run credit again. When I asked XXXX he said " I'll go check. The credit report have references numbers and sometimes get re-issued. They might have pulled a new report instead of re-issuing by mistake '' Since then, XXXX XXXX has never followed up or called me back to explain why Lenox ran my credit with my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified and inaccurate accounts : XXXX XXXX -- XXXX XXXX -- XXXX. 
XXXX XXXX XXXX -- XXXX XXXX -- XXXX XXXX  -- XXXX XXXX XXXX -- XXXX XXX. In these two months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. 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 explanation
Consumer complaint received 2021-04-01 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: AL

Complaint narrative:
In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified and inaccurate accounts : XXXX XXXX  -- XXXX XXXX  -- XXXX. 
XXXX XXXX XXXX  -- XXXX XXXX  -- XXXX XXXX  -- XXXX XXXX XXXX -- XXXX XXX. In these two months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I called Mr. Cooper 2 weeks back about the same issue that my online amortization schedule is not visible after login into the account. I have been following up with Mr. Cooper for at least 4 months regarding the same. 2 weeks back I was told that within 4-7 business days - this issue will be fixed.

But nothing has been done till now.

Company response to consumer: Closed with explanation