vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
on XX/XX/2022 I sent a letter to the alleged debt collector informing them that I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to any third party companies. 

I requested all verification documents to be sent back to me through USPS such as breakdown of fees including any collection costs and medical charges, a copy of my signature with the provider of service to release my medical information to the alleged debt collector, verification that this debt was assigned or sold to the alledged debt collector. Date this alleged date became payable. Commission for debt collector if collection efforts are successful and complete accounting of alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
I have a XXXX 's XXXX. They went out of business at least in the XXXX, Kansas area about 4 years ago. I have been faithfully making my payments every month like clock work for over 7 years. Been paying my balance I had when the store closed since, Today I go to pay my bill due on the XXXX of every month and it said there was a power outage, It instructed me to go to another way of paying, that didn't work. Can't contact them because apparently the power outage has affected their phones too. Now XXXX Bank if you are late takes the whole payment amount and uses it for late fees and interest. If this happens to me I will be upset because I can not access the site to pay..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: FL

Complaint narrative:
Back in 2017, Comenity bank closed my Express card with no consent or knowledge from me.

This led to me not being able to make payments on the account. This then led to the account going late multiple months then to a charge off. 
Even after talking multiple times to their overseas customer service departments, with no help. They would only say things like " the account is closed, we cant help you '' or " wait till it goes to collections ''. 
For the last 5 years this account has HAUNTED me and my credit reports. Making it still so I can not obtain proper credit or even a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: PA

Complaint narrative:
According to XXXX I have 7 late payments for my student loans accounts open back in XXXX. It was reported on my credit as late payments when I was actually in forbearance on my loans for the year and months the late payment was reported. As of XXXX my loans are deferred because I am still currently in school. I called both the department of education and AES and opened up disputes for inaccurately reporting those late payments. Both loan servicing companies informed me that this sometimes happen because the forbearance take a while from the time its issued from the time its reported resulting in a late payment status which is drastically affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I filed bankruptcy, there were fees that were not removed from my billing statement. I have tried countless times since then to have them removed but the Lakeview Loan Servicing refused to do so. I was told that they would look into it and never received responses. It has showed on every single statement since that time with no correction. 
On XX/XX/XXXX due to XXXX I had to file another bankruptcy and still the Lakeview Loan Servicing refuses to remove it. Any attempt to call results in another department needing to handle it, said department states theyll look into it but never resolved it. 
Almost 9 years of seeing fees that should have been removed. Bankruptcy in itself is strenuous, the stress lasts and never lets up and to see fees that should have been removed in XXXX creates even more stress. I have to continually live in fear that if I argue with them they will attempt to sell my home leaving my family and I XXXX I make my payments on time every month and have to look at this fee continuously, trying to avoid it like a plague. This is my final resort and all I can do is pray that its removed without the company holding it against me and attempt to take my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: VA

Complaint narrative:
Collection appeared on my report out of no where for the first time, with no original date of debt from original creditor, after investigating myself, I found out this is an debt from XX/XX/XXXX which is almost 5 years ago which make it illegal to collect or send to a collection agency. I had no clue about this debt until XX/XX/XXXX, I also had XXXX during the time this was even a factor.. XX/XX/XXXX the state of virginia law has changed to stop reporting or collecting medical debts that are 3 years old this is why i feel as if this medical debt magically appeared out of no where! I will like a cease and desist & this to be removed from my credit as it exhibits me from progressing in personal affair.. I would also like for it to be no longer reporting especially when law goes into effect XX/XX/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 2022-07-02 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: LA

Complaint narrative:
On XX/XX/XXXX - XXXX XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX NA, XX/XX/XXXX - ( Original Creditor : ) added a derogatory mark on my credit report per XXXX, XXXX, and Equifax. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX XXXX, XXXX XXXX XXXX XXXXA, ( Original Creditor : ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Health Investment Company, LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX of XXXX I went to the walk in clinic at XXXX XXXX for a XXXXXXXX XXXX on my XXXX XXXX. Before I went to the facility I called and asked how busy they were and how much they would charge. The representative told me they were not busy and that it was {$150.00} to see a doctor. I went to the facility, filled out the paperwork, and paid the {$150.00} fee before seeing the doctor. I left the facility after seeing the doctor and was not asked to pay any additional fees. 

A few weeks letter I started receiving bills from the facility indicating that I owed an additional {$60.00} for the visit. I attempted to contact the facility by telephone several times but was unable to get through to a billing representative. I left several voice messages requesting a call back to discuss the bill, but was not called back. I sent several letters to the facility along with the billing slip indicating that I was told that the bill was {$150.00}, that I paid {$150.00}, and that them sending me an additional bill for {$60.00} was incorrect. They did not respond to my messages or letters. 

In XXXX of XXXX I was contacted by Professional Account Services , Inc. - a debt collector attempting to collect the {$60.00}. I wrote them a letter disputing the charges, stating that I never signed anything agreeing to pay {$210.00} for a {$150.00} service. I asked them to provide a copy of the documentation where I agreed to pay more than the {$150.00} I was charged. They responded on XX/XX/XXXX with a generic statement indicating that they received my dispute but had " verified with their client that the charges are true and correct ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX  these inquiries were not made by me XXXX XXXX, equifax, XXXX and the individual companies invovled refuse to take them off my report. I would like these inquiries removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: NC

Complaint narrative:
XX/XX/XXXX 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX these inquiries were not made by me XXXX XXXX, XXXX, experian and the individual companies invovled refuse to take them off my report. I would like these inquiries removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX  the wrong person, called wells fargo right away while transfer was still pending The amount was for XXXX. Wells Fargo took the claim but hasnt answered anything yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Back in 2017, XXXX XXXX closed my XXXX card with no consent or knowledge from me. 
This led to me not being able to make payments on the account. This then led to the account going late multiple months then to a charge off. 
Even after talking multiple times to their overseas customer service departments, with no help. They would only say things like " the account is closed, we cant help you '' or " wait till it goes to collections ''. 
For the last 5 years this account has HAUNTED me and my credit reports. Making it still so I can not obtain proper credit or even a mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Back in XXXX, XXXX bank closed my XXXX card with no consent or knowledge from me. 
This led to me not being able to make payments on the account. This then led to the account going late multiple months then to a charge off. 
Even after talking multiple times to their XXXX customer service departments, with no help. They would only say things like " the account is closed, we cant help you '' or " wait till it goes to collections ''. 
For the last 5 years this account has HAUNTED me and my credit reports. Making it still so I can not obtain proper credit or even a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Back in 2017, XXXX bank closed my XXXX card with no consent or knowledge from me. 
This led to me not being able to make payments on the account. This then led to the account going late multiple months then to a charge off. 
Even after talking multiple times to their XXXX customer service departments, with no help. They would only say things like " the account is closed, we cant help you '' or " wait till it goes to collections ''. 
For the last 5 years this account has HAUNTED me and my credit reports. Making it still so I can not obtain proper credit or even a mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: MA

Complaint narrative:
This Compliant is to Transunion. 
I've been disputing multiple Fraudulent accounts that Have been reporting to the 3 Bureaus. I started these disputes back in XXXX and have also included a police report explaining how I've been a victim of identity theft. Transunion Fraud Department has placed a security freeze and Fraud alert on my file due to the submission of the police report but continue to inaccurately report these items I've been disputing these Items and going back and forth with Transunion as they keep saying the items are Verified. Now Transunion has changed the status of these accounts as closed, charged off and also are reporting these items as " On Time '' accounts. 

XXXX XXXX XXXX  is reporting as an On Time account, never late / charge off XXXX XXXX is also reporting as an On Time account, never late / Charge off another XXXX XXXX account is reporting that I owe {$7500.00}. It states the account was opened XXXX for {$7800.00}. It states no min monthly payment, {$7500.00} past due and reports No Late Payments. This makes so sense and is totally incorrect How is an account opened in 2019 and states I'm past due {$7500.00} but also states there's no late pay! These accounts are totally inaccurate and do not belong to me These accounts previously were all posting as negative accounts with late payments Now they are reporting as " ON TIME '' accounts with No late payments & charged off or stating I owe past due amount with no late payments. 

This information that's reporting does not match XXXX and XXXX 's reporting info. 

I requested in my disputes that Transunion provide proof bearing my signature that these accounts are owned by me. I have never received any proof from Transunion. 

All they've done since my disputes is send copies of credit report, Claim the accounts were verified. I requested copies bearing my signature and their method of verification. They have failed to do so and they are in violation of the FCRA. 

Transunion has changed the status of the accounts to closed as On Time accounts, No late pays and charged off. These accounts are not mine and I demand these items to be deleted because they have yet to prove these accounts belong to me nor have they prove that I owe the balances reported I have submitted all copies of my disputes that were sent regarding these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02 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: MD

Complaint narrative:
I did not make any of these inquiries XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XX/XX/XXXXInquiry date XX/XX/XXXX Business type Department And Variety Stores- non specific XXXX XXXX XXXX Inquiry date XX/XX/XXXX Business type Bank Credit XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX Business type Bank XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Bank Credit Cards XXXX XXXXnquiry date XX/XX/XXXX Business type XXXX XXXX ( Reseller ) XXXX  Inquiry date XX/XX/XXXX Business type XXXX XXXXXXXX ( Reseller ) XXXX XXXX  Inquiry date XX/XX/XXXX Business type Auto Financing Companies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: TX

Complaint narrative:
I've called 4 credit bureaus including the three main ( Experian, XXXX, XXXX and XXXX ) multiple times over the past several months and never got a response on updating my personal information and/or was told there is nothing they can do about it. I have personal information on my reports that I do not want on there due to it being incorrect and/or completely outdated. 

According to the Fair Credit Reporting act 15 USC Code 1681... I have the right to privacy. ( The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ) In addition, according to 15 USC 6802 ... No financial institution is supposed to share my information to third parties including third party companies nor third party people. Nevertheless, especially when the information is wrong and misleading. ( Obligations with respect to disclosures of personal information ) These are very clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02 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: PA

Complaint narrative:
Accordance with the fair credit reporting act XXXX  account # XXXX XXXX date opened : XX/XX/XXXX Account # XXXX XXXX XXXX date opened : XX/XX/XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX Account # XXXX XXXX  date opened : XX/XX/XXXX Account # XXXX XXXX date opened : XX/XX/XXXX Account # XXXXXXXX XXXX XXXX XXXX  date opened : XX/XX/XXXX Account # XXXX XXXX  date opened : XX/XX/XXXX Has violated my rights .please investigate these accounts 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. Please show proof of written instructions by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: LendingPoint Holdings LLC
State: FL

Complaint narrative:
During the month of XX/XX/2022, I received an advertisement in the mail from a loan company by the name of " XXXX XXXX. '' The promotional material promised before entering my information into their pre-screening form that there would be no hard inquiry performed into my credit. I was not approved for credit by XXXX but then on XX/XX/XXXX I received another email suggesting that I " Check Rates At XXXX, '' a " XXXX trusted partner, '' again with the promise that it " Won't impact your credit score. '' However, after entering my information, on XX/XX/XXXX I received an email from a company called " LendingPoint LLC '' stating that they had ordered a credit report from XXXX on XX/XX/2022 regarding my " application. '' I'm not sure if LendingPoint LLC is a real company or if this is just a scam trying to steal my identity, but now I have a recent credit check showing up in my credit report, which was completely unauthorized by me. I have tried contacting XXXX directly to see what can be done, but the XXXX was unable to assist and I was unable to make human contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: National Commercial Services, Inc
State: VA

Complaint narrative:
This company calls my number asking for someone that I do not know & have been doing so for years. Now, it's much more frequently and they're threatening to take away the person 's driving privileges. Today, for example, they called twice within XXXX minutes of each other. I've stated to them multiple times that they have the wrong number, its harassment, and to remove my number as it's on a " Do Not Call '' list. Their call id is XXXX, their number is XXXX ext. XXXX, and the company is NCS ( National Commercial Services ).

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