vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX

Complaint narrative:
XXXX XXXX in XXXX XXXX, Texas sent me to collections for a bill that was already paid for. As a XXXX XXXX veteran, I was told that the bill was going to be covered under XXXX insurance. I told the billing department before any services were being used, that it needed to be covered in full by XXXX before I used their services. 6 months later, I was told that they would cover it and that they would call me back if anything changes. 4 months after that, I received a letter a letter in the mail that I was sent to collections. They sent me no communications that anything was even owed anymore. They have had a lot of turnover in their billing department so this may be the reason why. I was told that I do not owe anything, this account needs to be removed. I was told by the billing office that they would take care of this whether it was XXXX, VA, or they would call me back if anything else was needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. MY family and I are looking into purchasing a home and as you know credit is extremely important. I never took my credit seriously and barely checked it which is why I never knew that I was being violated on this level. I spoke to my lawyer and he explained that I should file a report with the Federal Trade Commission, which I have. Under section 605 b this accounts must be removed within 4 business days of receipt of this letter. Please help me as this is extremely unfair. My family and myself are counting on this. Thank you. The accounts are listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conn 's Credit is engaged in illegal practices to collect on an alleged debt. I sent them a debt validation letter over two weeks ago and have received no response. I entered into a consumer credit transaction with Conn 's Credit which included a finance charge. The finance charge is defined under 15 USC 1605 ( a ) of the Truth in Lending Act as the the sum of all charges in a consumer credit transaction. Conn 's credit is in violations my rights as a federally protected consumer. Furthermore, they keep attempting to collect on a debt which I do not owe and which was paid for by my open-end credit plan ( SSN ) pursuant to 15 USC 1602 ( j ). As a federally protected consumer I can and enforce for monetary damages if Conn 's Credit doesn't take all the action stipulated below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc.
State: CA

Complaint narrative:
I was contacted by one collection company around a year ago this time staying that I owed about XXXX $ to XXXX for an account I closed out a few years ago. I was able to talk to XXXX and obtain a letter stating the debt was closed and was an error on their part. It was settled and I provided proof to the company directly from XXXX. The debt was cleared from my Credit Report with a note and also from XXXX XXXX. 

Unifin contacted me a year after the original dispute alleging the same debt was still owed. I explain the situation and told them it has already been resolved. The people I talked to were beyond rude and almost mean. I have provided proof to them but I am worried about what information they have. They have had multiple complaints and even have been known to threaten people. I want this issue put to bed and their shady business penalized. I am happy to provide any additional information needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Hello and good day I had an disputed account removed from my credit report. From all three credit bureau back on XX/XX/2020. Later that year another company reported on the same account as that I still owned it. I have already contact all three credit bureau as well as the company that is reporting once again on the deleted account. Please refer to the attachments. The original account name was XXXX XXXX # XXXX, now XXXX XXXX XXXX is reporting. I have reached out to them stating that the account has nothing to with me and that it has been delete off of my report. They once again are charging me for it. I have sent proof and notarized letters stated that it was delete from all three credit bureau as well as sent to XXXX XXXX XXXX. please help me out. I have reach out to XXXX, XXXX, transunion and XXXX XXXX XXXX. They are not wanting to help even with the proof that has been provided

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 2021-02-01 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Hello and good day I had an disputed account removed from my credit report. From all three credit bureau back on XX/XX/2020. Later that year another company reported on the same account as that I still owned it. I have already contact all three credit bureau as well as the company that is reporting once again on the deleted account. Please refer to the attachments. The original account name was XXXX XXXX # XXXX, now XXXX XXXX XXXX is reporting. I have reached out to them stating that the account has nothing to with me and that it has been delete off of my report. They once again are charging me for it. I have sent proof and notarized letters stated that it was delete from all three credit bureau as well as sent to XXXX XXXX XXXX. please help me out. I have reach out to equifax, XXXX, XXXX and XXXX XXXX XXXX. They are not wanting to help even with the proof that has been provided

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XXXX, I received a response from Equifax regarding CPFB complaint # XXXX. After viewing the complaint CPFB suggest I contact Equifax in regards to a third party authorization. After CPFB suggest I contact Equifax to give Authorization to the third party regarding this case. I wasn't given any other information on who I need to give authorization too. At XXXX XXXX, I called Equifax at XXXX, my call was answered by an Agent name XXXX. After I explained my reason for calling. XXXX ask several questions but refused to take my authorization to allow any third party to my case, update my credit file information such as my phone number, addresses, etc. I carefully explained to XXXX he needed to contact CPFB to respond to the complaint. He refused to contact CPFB as well. He seem to have taken this for a joke. On XXXX, This case was closed by CPFB the same day the response came back from Equifax. I wasn't given a chance to go any further with CPFB regarding my case. I need to proceed with this case because Equifax has not corrected the information in my credit file. My case was not solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I currently reside in XXXX, Ohio and have been a Chase Bank customer for years. I have always been pleased with the service I received in the past, but the " security '' protocols that have been put in place over the past year have made it impossible for me to continue that banking relationship. 

I have had problems with the new " security '' protocols on different occasions, but what happened today was the last straw. On XX/XX/2021 I went to my local Chase branch in XXXX, Ohio. I went thru the first lane in the drive thru, right at the tellers window. I made a request to withdraw cash from my account and I presented both my drivers license and my Chase debit card to the teller in addition to the signed withdrawal slip. I had not placed any sort of security watch or warning on my account. 

My withdrawal was refused at the window and I was told that I had to come into the lobby and provide my PIN number in order to make the withdrawal. I went into the lobby and I was absolutely livid. I can open a new account with a drivers license, but I can not take money from that same account, even after presenting my Chase debit card and my drivers license. This was not money from checks that were just deposited. This was money that had already been in the account for some time. Then, because I've never used my debit card for anything, I had to set up a new PIN number for the debit card because I had no idea what the PIN was. So my drivers license wasn't good enough for a withdrawal, but it was good enough to open the account AND good enough to set up a new PIN number for my debit card. Then I had to go to the interior ATM to withdrawal my money in order to make sure that the PIN worked. I had decided to close out my account by this point. When I went to withdraw the rest of the available money from my account, I once again had to provide my Chase debit card and PIN number. 

What if I didn't have a Chase debit card? Are they telling people without debit cards that they can't have their own money because they only have a drivers license? Can no one see how ridiculous this whole situation has become? I am all for security, but it has to be tethered by common sense. If I was so dedicated a thief that I stole someones drivers license and debit card, subjected myself to XXXX  XXXX, and signed the withdrawal slip, then why in the world would you let me use that same drivers license to set up a PIN number for the debit card? And why would requiring me to present that same debit card and PIN ( that I just chose ) suddenly make me any less of a thief? 

I have moved my money to a different bank, but someone needs to get this bank under control ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services
State: CA

Complaint narrative:
I have for 6 months now argued with this company over a debt collection of {$410.00}. I was told it was a medical bill but I have had insurance for 15 years now. When I contacted my insurance they told me none of this was ever reported to them. I called this company and they continued to harrase me with phone calls and interest. I finally spoke to a lawyer and they told me to ask for the bill within 30 days, which they then sent me a email from XXXX XXXX at Sequoia Financial Services. Stating the debt owed and my medical records! This is a huge violation of My HIPPA rights! I did not authorize this creditor to access any blood work or medical history of mine! I have copy of this email and my private records obtained from a hospital that they sent me today. I ask you make this company take this private information down and completely remove this collection off my record. As my medical insurance has no record of it in 15 years and they Illegally obtained it without a signature from me or any proof of consent. The creditors name and address is - SEQUOIA FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: DISCOVER BANK
State: FL

Complaint narrative:
Having problems with Discover Financial Services, LLC Discover is continuing to show late payments on my XXXX and XXXX credit report. I've sent Discover two letters ( the last certified ) but they did not respond back within the statutory period to remove the late payments. As a matter of fact, Discover Financial Services, LLC NEVER responded to either of my letters dating back to XX/XX/XXXX I then filed a complaint with the CFPB and received an email from a " XXXX XXXX '' of the Executive Office of Consumer Advocacy to which I responded TWICE and never received the courtesy of a response from " XXXX XXXX '' in return. The emails are attached On XX/XX/XXXX, I received a notice from CFPB that my complaint was answered, HOWEVER, the response was not on the CFPB website and I NEVER received a letter from Discover Financial Services, LLC as indicated by CFPB Please be advised both XXXX and XXXX are reporting " No Payment History '' or " Highest Balance '' ( or any balance at all ) as the account was satisified prior to closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I have received the same amount of payment for editing services from the same sender for several months. The first payment in XXXX was held for 21 days to make sure it wasn't a problem even though the sender approved it. Three payments have come in since then without a problem.

Another payment came in this morning from the same person for the same amount. Now, Paypal is holding the payment, saying that it is an " unusual transaction '' when it is the same amount and same sender that has been sent in the past, multiple times, without incident.

This is a blatantly false representation about the regularity of the payments and the sender. Moreover, Paypal won't allow the sender to approve the payment and confirm that she has received the services. It isn't even a possibility until 48 hours past the time she sent the money and then I must wait several days after that. 

If the transaction was truly unusual, I can see some justification for holding it, but it is so regular that they should almost come to expect these payments from this person. 

I tried to speak with a supervisor on the phone but nothing. I wrote an email to the General Counsel and received no response. All I want is the money I earned rightfully.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01 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:
This account is fraudulent. I've tried many times to get this taken care of. After obtaining a court order and documentation from the District Attorneys office showing that someone is utilizing my identity with an fake ID.

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 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: MN

Complaint narrative:
We applied for a loan with New American. We were applying for best rates with a refinance. On XXXX with an application, but no loan agreement signed- New American Paid off my mortgage with XXXX XXXX. I was not aware they paid it off, as I had NOT finalized any paperwork because I was still gathering other quotes from other companies. My monthly XXXX XXXX payment was returned, when I called on XX/XX/2020-they told me I no longer had a mortgage with XXXX XXXX. I asked them who had paid it off-and they informed me that New American had paid it in full. I called New American and asked the Loan Officer why they paid it off-with NO SIGNED AGREEMENT-they did not have the best rates. They avoided my calls- and two days later said they were working to return the ACH payment. They did get it reversed, and now my payment/and auto pay were not on anymore with XXXX XXXX. I have always maintained a credit score of over 820. I later received check # XXXX dated XX/XX/20 amount of {$160.00} from New American. I repeatedly called to ask what this check was for- and if I should cash it. I deposited the check and it bounced. Yesterday, I received notice that my XXXX SCORE plummeted 166 points because of a letter my mortgage company sent stating my mortgage was paid in full/then they removed the letter and if adversely affected my score. I do need a mortgage within one year and my score is now much LOWER which will inadvertently my ability to receive a competitive mortgage rate. I am contacting them now-as they would NOT return my calls-nor answer my emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners
State: CA

Complaint narrative:
Pendrick Capital Partners II, LLC has tried getting money numerous times. It all started from an emergency bill that I waited to get and never got it because they kept sending it to an old address in XXXX from XXXX XXXX XXXX. Finally, I had received the bill months later after the incident from a creditor and paid it off immediately ( I have proof of ). Then in XXXX, I received another bill from the same creditor trying to claim I owed {$1000.00} and they dropped my credit score very low. I reported it to you guys and it came out to be fraudulent and my credit score went back to normal. I am not receiving another outstanding balance from the same creditor for {$66.00}. THIS IS FRAUD! It is already paid off and I do not understand why this creditor keeps trying to take money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
On XX/XX/2020 at XXXX XXXX  EST I submitted a money transfer of {$500.00}. There's was an era with the spelling of the recipient name.. MoneyGram asked me to cancel that transaction and submit a secondary transaction. MoneyGram policy clearly states that all refunds are made with 3-10 business days. I waited that period of 11 business days. I was never refunded my cancelled amount of {$500.00}. I contacted MoneyGram on several occasions and was told that my refund was being processed. After numerous calls finally someone from MoneyGram told me that the refund was processed within 24hrs of the cancelation. That's totally false i have no records of such a transaction my bank has no records of that transaction.

Reference NO : XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
Too many inquiries on my credit report from companies I have never heard of Net Credit XXXX  etc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I disputed a lot of inaccurate, incomplete and repetitive information and the credit bureaus haven't answered me in 35 days and still reporting those items

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 2021-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a question about the MLA. I couldnt get gap insurance apparently. So now I have to pay out of pocket for whats left on my Car note. Im not understanding this at all. Who do I need to talk to about this situation

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 2021-02-01 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: MI

Complaint narrative:
On XX/XX/2020 I sent XXXX, Transunion, and XXXX dispute letters certified mail, they received the letters on XX/XX/2020. I have not received any response or no form of communication with any of the bureaus at all. I have not had the disputes resolved and I was told that the bureaus never received the letters until a manager told me they received them on XX/XX/2020 which I have receipt when the bureaus received the disputes letters. I would like my account updated and the disputed accounts 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