vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XX/XX/XXXX provided the service of labs that were over priced. I did not know the cost of the labs before they were done, and in XX/XX/XXXX I wrote as requested, and they keep sending me notices. Below is my correspondence : We do not want XXXX or anybody else to contact us on this bill anymore. We did call as stated below We called XXXX wanting to pay A reasonable amount at 100 % of Medicares allowable for the lab procedure at {$23.00} but the operator said they can make no adjustments When we received the request to have a lab procedure we were not presented with the {$93.00} charge so we are overwhelmed by the amount and so we researched and found that this type of surprise billing is something thats not supposed to happen. So we researched and we would like to pay As stated above {$23.00}. 

But the operator said they can make no adjustments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: IN

Complaint narrative:
I previously made the mistake of filing my complaint over the phone with a CFPB rep and apparently that was more than he could handle as the complaint he filed was completely unrelated to the actual issue at hand and now my credit report actually looks worse than it did prior to my previous complaint. The issue as reported by the CFPB agent was not accurate. My issue was never that my credit reports were not updated since 2018 regarding this account. 

My issue is that the account is not being correctly reported by the creditor. This account was not included in or discharged in my bankruptcy. This account was paid in full, in good standing 2 months prior to my bankruptcy discharge, which they were not listed as a creditor in. They chose to close the account on their own authority due to the fact they were made aware of my bankruptcy and not because they were included in it. No debt was owed to this company at the time of my bankruptcy, nor was any debt discharged in my bankruptcy. 

Now my credit report is worse off than it was previously was, as it previously reported " Discharged through Bankruptcy XXXX  XXXXNever Late '' to now just reporting " Discharged through Bankruptcy XXXX  XXXX '' so my credit looks worse than it did previously. 

Reporting debt as being discharged in bankruptcy when it was not discharged in bankruptcy has to be violating some type of Fair Credit Reporting law and I will file a complaint with every legal entity I can until I get this resolved. 

I have attached a full list of creditors included in my 2018 XXXX  XXXX bankruptcy filing as well as the list of added creditors when my bankruptcy was moved to XXXX  XXXX to show that XXXX XXXX  XXXX was not included in the list of creditors.

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 2023-05-08 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: IN

Complaint narrative:
I previously made the mistake of filing my complaint over the phone with a CFPB rep and apparently that was more than he could handle as the complaint he filed was completely unrelated to the actual issue at hand and now my credit report actually looks worse than it did prior to my previous complaint. The issue as reported by the CFPB agent was not accurate. My issue was never that my credit reports were not updated since 2018 regarding this account. 

My issue is that the account is not being correctly reported by the creditor. This account was not included in or discharged in my bankruptcy. This account was paid in full, in good standing 2 months prior to my bankruptcy discharge, which they were not listed as a creditor in. They chose to close the account on their own authority due to the fact they were made aware of my bankruptcy and not because they were included in it. No debt was owed to this company at the time of my bankruptcy, nor was any debt discharged in my bankruptcy. 

Now my credit report is worse off than it was previously was, as it previously reported " Discharged through Bankruptcy XXXX  XXXXNever Late '' to now just reporting " Discharged through Bankruptcy XXXX  XXXX '' so my credit looks worse than it did previously. 

Reporting debt as being discharged in bankruptcy when it was not discharged in bankruptcy has to be violating some type of Fair Credit Reporting law and I will file a complaint with every legal entity I can until I get this resolved. 

I have attached a full list of creditors included in my 2018 XXXX  XXXX bankruptcy filing as well as the list of added creditors when my bankruptcy was moved to XXXX  XXXX to show that XXXX XXXX  XXXX was not included in the list of creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I previously made the mistake of filing my complaint over the phone with a CFPB rep and apparently that was more than he could handle as the complaint he filed was completely unrelated to the actual issue at hand and now my credit report actually looks worse than it did prior to my previous complaint. The issue as reported by the CFPB agent was not accurate. My issue was never that my credit reports were not updated since 2018 regarding this account. 

My issue is that the account is not being correctly reported by the creditor. This account was not included in or discharged in my bankruptcy. This account was paid in full, in good standing 2 months prior to my bankruptcy discharge, which they were not listed as a creditor in. They chose to close the account on their own authority due to the fact they were made aware of my bankruptcy and not because they were included in it. No debt was owed to this company at the time of my bankruptcy, nor was any debt discharged in my bankruptcy. 

Now my credit report is worse off than it was previously was, as it previously reported " Discharged through Bankruptcy XXXX  XXXXNever Late '' to now just reporting " Discharged through Bankruptcy XXXX  XXXX '' so my credit looks worse than it did previously. 

Reporting debt as being discharged in bankruptcy when it was not discharged in bankruptcy has to be violating some type of Fair Credit Reporting law and I will file a complaint with every legal entity I can until I get this resolved. 

I have attached a full list of creditors included in my 2018 XXXX  XXXX bankruptcy filing as well as the list of added creditors when my bankruptcy was moved to XXXX  XXXX to show that XXXX XXXX  XXXX was not included in the list of creditors.

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 2023-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
XX/XX/2023 I made two payments over the phone to Rocket Mortgage. I specifically told the woman on the phone that one payment was for XXXX and one was for XXXX. In XX/XX/2023 I get notice that my mortgage has been transferred to XXXX Bank. I call XXXX XXXX  to make sure two payments were received. XXXX told me they received one payment and the other payment was applied to principal. I have made several phone calls to both banks but the problem has not been resolved. The people at both banks tell me the problem will be resolved but that has not happened. On XX/XX/2023 I spoke with XXXX from XXXX and XXXX XXXX from Rocket on a conference call. Both said they would take care of it. I fowarded a copy of my checking account statement to and XXXX XXXX indicating the two payments made XX/XX/2023. XXXX said she was going to open an inquiry into the matter and gave me a XXXX XXXX. XXXX XXXX. XXXX. To date I have not heard from either Rocket or XXXX. 
I made a payment on XX/XX/2023 to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: DISCOVER BANK
State: IL

Complaint narrative:
Someone opened a discover credit card in my name fraudulently. XXXX is still reporting this account. This is in direct violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
Hello, Once again i have tried to resolve this issue with the lender going on 7 times. I was offered a payment match program that I was at first not interested in. I ask the lady what would be the outcome of me paying my account and letting them match it. The young lady said that I would just have a zero balance and it is a special that they are running. I could have paid off this card had i knew all of this would come about. They took my payment of {$330.00} and STILL DID NOT MATCH MY PAYMENT.. ( Again never asking them to do this ).. They then proceeded to put this account in collections and not telling me I still owe them {$330.00}. I have also ask for the recorded conversation which again is what was stated on the phone call. Which will explain this whole entire story and how they tried to trick me into paying them {$330.00} which they did and since then have reported the account as a charge off which violates the consumer law entirely. They have never reported this account correctly and also the collection company they have claimed to have sold this account to can not provide me with any information besides my first name and amount. They have yet to provide me with an account number.. address.. credit limit amount.. last nothing.. Absolutely nothing.. They have XXXX complaints with this company in the past 12 months from similar situations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
After reviewing my credit profile XX/XX/2023 identified a discrepancy with accounts listed under XXXX XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 3rd validation letter was sent out on this day. After reviewing credit report XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please stryke and remove his account from all 3 credit bureaus until adequate validation has been received proving that they account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have 3 accounts that have should have aged of my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX USA This should have aged off of my report and also shows payment history when I was not actively paying that account. 

NAVY FEDERAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA I have two accounts that should have aged off my report. Before settled, these accounts were purposely kept active and open in order to accumulate multiple 180 day late payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: SD

Complaint narrative:
PNC Bank OWES Me. 
CFPB Complaint # 's XXXX and XXXX and now this 3rd Complain on PNC.

# 1-PNC Allowed Fraud on both my accounts, checking and credit.

# 2-PNC did not honor A Stop payment I asked them to Not Pay.

# 3-PNC Did Not Honor All the Disputes I Had to File Because of the Fraud.

# 4-PNC Says It did Nothing wrong and expects Me to Pay Back {$2000.00} Plus, more dollars to satisfy recoveries. With all the fees, all the disputes, the {$700.00} stop payment. The balance would put money back into my new bank account.

And that's why I am now filing this third complaint against PNC bank. Because PNC Recoveries just called me asking for {$2200.00}.

The CFPB did not seem to help me with the case, because of the resolution. Because PNC bank was not held responsible for their errors in banking. Errors in allowing Fraud and errors in not honoring banking processes.

From The 1st complaint to the 5th complaint there has been zero dollars returned.

Complaint # 's 1 & 2 & 5 are complaints against financial institutions.

All 3 closed with nothing done wrong or true complaint and zero returned to me.

Complaint # 3 against the XXXX XXXX XXXX XXXX. 
Closed with nothing returned to me. Call Them Yourself Sir. 
Complaint # 4 against XXXX XXXX XXXXXXXX. 
Closed for me and without my knowledge. 

So, this complaint is against PNC. 
Not The CFPB. I was only reporting what has happened with my complaints at the CFPB. 
I hope that the CFPB Stops PNC bank from asking me for money and or collecting any more money from me and anyone else. Because of the banks own negligence. 
I hope that this CFPB process keeps improving and turns into a benefit for me. 
Thank You CFPB. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: Synovus Bank
State: SC

Complaint narrative:
XXXX. XXXX XXXX XXXX XX/XX/2023 XX/XX/2023 This company added late payments and this account is closed/reported card stolen XXXX. XXXX XXXX XXXX XXXX XXXX This company added late payments and this company advise me to refinance, but overall did not remove the late payments as promise XXXX. XXXX XXXX XXXX XX/XX/2023 This company added late payments and this account is closed/reported card stolen I also respectful request to be provided proof of these items

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: Army and Air Force Exchange Service
State: GA

Complaint narrative:
I have 3 accounts that have should have aged of my credit report : MILITARY STAR XXXX XXXX XXXX XXXX, TX XXXX USA This should have aged off of my report and also shows payment history when I was not actively paying that account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA I have two accounts that should have aged off my report. Before settled, these accounts were purposely kept active and open in order to accumulate multiple 180 day late payments.

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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: M1 Holdings Inc.
State: OK

Complaint narrative:
On XXXX XXXX, 2023, I received an email from M1.com welcoming me to my new platform and asking me to verify my email address. I did not open this account or request any profile creation. On XX/XX/2023, I emailed help@m1.com alerting them to the fraud and unauthorized product enrollment and received a confirmation email with request ID # XXXX. I am still waiting to hear back from M1 Finance, LLC. I asked that any accounts in my name be closed, and they investigate the fraud. I continue to get automated emails from M1 Finance, LLC, asking to verify my email and other automated marketing communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I was transferred from XXXX XXXX to Specialized Loan Servicing. Since the change, I have had a constant issue with Specialized Loan Servicing. I didn't even receive a " welcome letter '' until XX/XX/XXXX, where they demanded I owed {$11000.00}. I filed a complaint against them and magically the amount was reduced to {$4700.00}. The company also added a {$20.00} fee thats just titled " Fee Billed '' on XX/XX/XXXX. When I called on XX/XX/XXXX, I was told this was because my home was assessed, yet they don't have a report listed nor was I contacted about any assessment that would be performed. 

I also applied for the IL Homeownership Assistance Program where I was approved. On XX/XX/XXXX, the program wire transferred {$5700.00} to Specialized Loan Servicing to bring this account current. 

The practice SLS performs are predatorily and they should NOT be in business. They are known to take over loans that have potential to foreclose if the property has equity and they can make a quick dollar. This company is worse than 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 2023-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
IQ DATA INTERNATIONAL has been aggressively violating federal consumer protection laws by falsely representing my debts. As a result, my credit score has been negatively impacted by debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have mailed out dispute letter to you guys with two forms of documentation and you guys always send a letter saying you need an ID. I purposely put my two forms of identification and the front to make sure it is seen. I have wasted a lot of money not to mentioned that my credit has been at risk from fraudulent accounts and unauthorized inquires. Could I please dispute the following as these account are not mine and these inquires were not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IF THESE ACCOUNT COME BACK ACCURATE AND VERIFIED COULD I PLEASE GET A COPY OF MY WET SIGNATURE ON THE DOCUMENTS TO SUPPORT MY FRAUD CASE. 

ALSO, THERE ARE INQUIRES THAT WERE NOT AUTHORIZED BY ME. CAN I HAVE ALL INQUIRES THAT ARE NOT ATTACHED TO AN ACCOUNT REMOVED.

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