vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I gave birth to my son in XX/XX/XXXX. I had XXXX XXXX XXXX XXXX insurance through my employer, managed by care coordinators at XXXX XXXX. I received a final bill for services rendered after prior payments had been made. The final bill amount was {$1900.00}. The final bill was from XXXX XXXX XXXX XXXX XXXX. I called the billing department at the hospital and was set up on a payment plan through XXXX. I made payments on time and finished paying off the debt on XX/XX/XXXX. After that, I received another statement from XXXX dated XX/XX/XXXX in which is reflects a XXXX account balance and my bill had been paid in full. In XX/XX/XXXX, I received a new bill for {$820.00} with no explanation of charges. I called the care coordinators on the back of my insurance card ( XXXX XXXX ) to inquire what the amount was. They told me it must have been processed incorrectly and they would have to sort through the payments/deductions to see which bill was reprocessed. I called back several times and was told this was a mistake. I asked them to contact XXXX XXXX to verify the amount as the insurance ( XXXX XXXX ) was in disagreement with XXXX XXXX re : payments made vs. payments owned and the exact amount. Due to the bill being disputed by my health insurance, and not having any explanation as to where this amount came from, I was advised by XXXX XXXX care coordinators to wait until everything had been reprocessed to pay the final amount seeing how I had already received a bill with a XXXX account balance. This was escalated to management at XXXX XXXX. Care coordinators at XXXX XXXX report they never received a reply from XXXX XXXX and were told the account had been sent to collections. They were told the collections company was Receivables Management Corporation XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX I then called the collections company to ask what the bill was for/from and could I please be sent a bill from XXXX. They were extremely rude and told me the amount was from an unpaid bill and I could choose to pay it or not, but it had already affected my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch
State: OK

Complaint narrative:
I was served by Second Round LLC on XX/XX/XXXX about a debt that I didn't recognize. The document included a Bill of Sale to Second Round Sub LLC that said it was effective as of XX/XX/XXXX ( but wasn't signed until XX/XX/XXXX ). The description of the portfolio or package was redacted on the document I received. It also did not include who the Seller was, except for a signature that noted his title was XXXX. 
This was for a XXXX debt evidently, and the last payment listed was XX/XX/XXXX. I also have a date of XX/XX/XXXX for " Charge Off Account - Principals '' and " Charge Off Account " Finance Charges. '' I was able to find all of my previous XXXX charges, and I can't find these payments listed. Also, my XXXX credit account has been closed so I can't verify if the account number belongs to me. 
Also, XXXX still has my maiden name because I've had issues updating it, but these records have my married name. 
When I first received the summons, I responded on XX/XX/XXXX with an answer. I never heard anything back after this answer until yesterday, when I got a court date for XX/XX/XXXX. 
I called Second Round back when I was first served and they didn't have a record of me that corresponded to my social security number or date of birth, so they said it was probably sent to the wrong person. Then after I received the court date, I called them again and they gave me the same information but also that my address was listed for them. They gave me a number for XXXX XXXX XXXX. I wrote them a contact note and have tried calling multiple times ( I left XXXX voicemail ) but I get sent straight to voicemail every time. 
They also included a Status Report Pursuant to Servicemembers Civil Relief Act, which has my first and last ( married ) name but the last XXXX of the XXXX and the XXXX are redacted. When I tried to call the XXXX 's contact number to ask them to look up the certificate ID, I got a busy line every time. 
I have no way to truly verify if this debt belongs to me, but I am still being summoned in court after a year and a half of silence in regards to my answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Dates are to many to document as my account was frozen more times than I can recall with no valid reason why. They do not release checks deposited in a timely manner, and in fact refuse to cash checks from XXXXXXXX XXXX ( business account of employer ). Failure to send replacement debit cards in a timely manner. 

This has been an ongoing issue for the past year or so and I can not seem to get any help from the banks customer service team. In addition, there is a lack of consistency in answers. I become so frustrated I gave up trying but this has caused some major issues with paying bills in a timely manner. 

I am in the process if searching for a new bank

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 2023-01-27 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: GA

Complaint narrative:
Attached is a identity theft report with the following fraudulent accounts listed below that are reporting to my Equifax credit report Fraudulent Equifax XXXX XXXX XXXX XXXX XXXX Al {$1000.00} XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX  {$63.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters

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 2023-01-27 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: NC

Complaint narrative:
My name is XXXX XXXX. A victim of identity theft a long time ago. After that incident there were incorrect and inaccurate items that appeared in my report. Please delete all of the following ACCOUNTS from my credit report immediately. Besides these items, also delete the incorrect addresses that I did not live in and I do not go by. They are all a result of ID theft. Please remove these items which are not as soon as possible. Please see attached IDENTITY THEFT 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 2023-01-27 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: TN

Complaint narrative:
I disputed these accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX from my report because every single account has inaccuracies. I disputed them YESTERDAY and TODAY the come back updated and verified???!! NO INVESTIGATION HAS BEEN DONE. Delete these accounts from my profile!

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 2023-01-27 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: WI

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: IN

Complaint narrative:
This is my second attempt to correct this incorrect information reported on my TransUnion credit report. 

On XX/XX/XXXX, I mailed a certified letter to TransUnion LLC Consumer Dispute Center at XXXX XXXX XXXX, XXXX, PA XXXX. The letter was in regards to an incorrect late payment reported on my TransUnion credit report. 

The disputed account name on my TransUnion credit report is " XXXX XXXX XXXX XXXX The account number is XXXX. 
The disputed payment is dated " XX/XX/XXXX '' I have never been late on any payment. I have provided a copy of my letter to TransUnion. I have also provided a copy of my XXXX credit report showing this payment was made on time. I have also been denied credit offers due to this error being reported on my TransUnion credit report. 

In response to my dispute, TransUnion mailed me a letter stating that the disputed late payment has been validated. I am questioning the quality and results of their investigation of my dispute. How can the late payment be validated when I have made all payments on time for this account? Here is my certified USPS tracking number : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27 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: WI

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.

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 2023-01-27 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: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
In XX/XX/XXXX I received a notice from XXXX that a request to change my address was initiated and I needed to verify that this was accurate. I contacted XXXX and indicated I didn't apply for a change of addressed and filed a report. In O ) cober of XXXX I r3ecieved a notice from Wells Fargo Bank that my account was being closed due to delinquent payments. I contacted Wells Fargo and notified them that I never had a Wells Fargo account and filed a fraud claim. This situation is currently being investigated by Wells Fargo. On XX/XX/XXXX I received a notice from XXXX bank that they were closing my account due to non payment. I contacted their fraud department and indicated that I never opened an account and this is currently being investigated by XXXX bank. 
As a result of these fraudulent activities I opened an account with XXXX to check my credit history and current status and found that both the Wells Fargo account and the XXXX Bank were listed on my credit report as being closed and delinquent with sums totaling over {$32000.00}. and my XXXX XXXX dropped to XXXX from XXXX. XXXX is currently investigating the fraud claims with Wells Fargo and XXXX bank.

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 2023-01-27 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: GA

Complaint narrative:
Attached is an identity theft report with fraudulent accounts that are reporting to my Experian credit report. Listed below are all fraudulent accounts Experian Fraudulent Accounts XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$63.00} XXXX XXXX XXXX XXXX Al {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$840.00}

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 2023-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
An account was opened with Bank of America in my name. Did not open said account. I called and had the account closed and was given a claim number XXXX. I also filed credit freezes with XXXX, XXXX and 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 2023-01-27 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: NC

Complaint narrative:
My name is XXXX XXXX. A victim of identity theft a long time ago. After that incident there were incorrect and inaccurate items that appeared in my report. Please delete all of the following ACCOUNTS from my credit report immediately. Besides these items, also delete the incorrect addresses that I did not live in and I do not go by. They are all a result of ID theft. Please remove these items which are not as soon as possible. Please see attached IDENTITY THEFT 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 2023-01-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX. A victim of identity theft a long time ago. After that incident there were incorrect and inaccurate items that appeared in my report. Please delete all of the following ACCOUNTS from my credit report immediately. Besides these items, also delete the incorrect addresses that I did not live in and I do not go by. They are all a result of ID theft. Please remove these items which are not as soon as possible. Please see attached IDENTITY THEFT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: NJ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-01-27 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: NJ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My Full Name is : XXXX XXXX XXXX. 
My Social security XXXX. 
My Date of XXXX. 
My current XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 
My current phone XXXX. 
My current job : XXXX. At XXXX. 
My Email : XXXX. 
Since 2021, I requested to agency Experian to removed all my outdated personal information : Old NAMES, Old Addresses, Old phone numbers. The Agency Experian didnt want to remove them, the last time I requested it again was XXXX XXXX. On XXXX XXXX I reviewed my credit report, I discovered that nothing was removed. For all those reasons I have been denied for loans and insurance.

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 2023-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Giggle Finance Inc.
State: GA

Complaint narrative:
I initially found out about XXXX via an online advertisement, and decided to check it out. Upon applying for the loan, I noticed that the application process was fairly simple. I was approved for {$810.00}, {$12.00} of which would be used to expedite the funds transfer into my account. The amount to be paid back was {$1300.00}, spread out over a 10-week period, which is extremely high for a pay day loan, but I was limited on options and decided to go through with it anyway. When the funds were issued to my account, I only received {$740.00}. Seeing this, I figured that the {$58.00} would be deducted from the balance or my first payment but it wasnt. This led me to do a little more research where I found out that the company was a scam that preys on struggling gig workers and entrepreneurs.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: GA

Complaint narrative:
Attached is an identity Theft Report with fraudulent accounts reporting on my TransUnion credit report. And listed below TransUnion Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$840.00}

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