vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc.
State: TN

Complaint narrative:
On Saturday XX/XX/2021 we were notified that our account with XXXX XXXX XXXX XXXX XXXX was closed. After inquiring with the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, we were notified that, although we were set up on a payment plan and making monthly automatic payments as agreed up until XX/XX/2021, the account had been turned over to collections. On XX/XX/XXXX, I contacted the business by phone and was told that the account had accidentally been placed with collections and that their system sometimes does not recognize payment plans if they are set up online. I was also told that the error had been corrected and I would receive a call to re-set up the payment plan and that I would not need to do anything further. We never received a phone call. On XX/XX/2021 we received a letter from a collections agency, AMCOL Systems, letting us know that the account has been turned over to them and we have 30 days to dispute the validity of the debt in writing or judgment will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
SUBJECT : Experian 's BLOCKING THE ACCESS TO INDIVIDUAL CREDIT REPORTS For the past few days, Experian is BLOCKING the ACCESS TO 1 ) MY INDIVIDUAL CREDIT REPORT ( S ) at FREE ANNUAL CREDIT REPORT.COM, OR 2 ) OR THROUGH A FREE 7 DAY TRIAL WITH {$24.00} CREDIT CARD DEPOSIT, OR 3 ) AT XXXX  3 AT 1 CREDIT REPORTS/PAYED SERVICE/S. 

I allege that EXPERIAN is willfully blocking the my credit report in order to hold a FALSE AND FRAUD, LOWER CREDIT SCORE of XXXX ( today, XX/XX/2021 my Experian Cr. score was XXXX XXXX, comparing to XXXX or XXXX ( my cr. score is XXXX, XX/XX/2021 ). 

THIS MUST BE FIXED IMMEDIATELY, and credit scores must not have such huge XXXX scores difference. This is damaging for my financial state and opportunities.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputes letters to all 3 bureaus XXXX XXXX and Equifax about incorrect and invalid information on my credit reports. They have failed to respond to me. I sent a demand to comply letter to all three in hopes of getting a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputes letters to all 3 bureaus XXXX, Experian and XXXX about incorrect and invalid information on my credit reports. They have failed to respond to me. I sent a demand to comply letter to all three in hopes of getting a response.

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 2021-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this. This debt was paid by my Health Insurance Company after it was sold to collector. The Original Creditor was paid by Health Insurance company.

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 2021-03-28 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: TX

Complaint narrative:
see ftc to proof most of my case with the prior cfpb see FCRA laws for all the major violations

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 2021-03-28 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: FL

Complaint narrative:
On or about XX/XX/XXXX, I submitted a dispute with creditor XXXX XXXX through a credit agency. Notwithstanding the underlying dispute, XXXX XXXX disagreed with the dispute and instead alerted Experian that the charge off that occurred in XXXX, actually happened in XX/XX/XXXX ( when they responded to the dispute ). As such, Experian updated my credit report indicating the loan was recently charged off in XX/XX/XXXX, instead of almost five years ago in XXXX. They updated the entry to show this will fall off my credit report in XX/XX/XXXX since the charge off is dated XX/XX/XXXX. 

Clearly, this is erroneous as I paid this account in XX/XX/XXXX, and XXXX XXXX illegally believes there is still a balance on the account, which they charged off in XXXX. They do not get to update the account and erroneously state the charge off date to a date almost five years later. Experian states they report exactly what the creditor told them to report and have no duty to check the information. As I informed Experian, they have the credit report of the last five years and can see when the charge off occurred, without much research. Experian has put in another dispute with XXXX XXXX to see how they respond. This is not sufficient, as XXXX XXXX continues to violate laws in error reporting to the credit bureaus.

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 2021-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX Collection Fraud/Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA

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 2021-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I paid off my loan balance on XXXX XX/XX/21. They did not send me any proof of pay- off. Final bill amount was {$3000.00} on the statement. I called 4 times requested clear tittle on my property. Still, I wait Full Reconveyance.

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 2021-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Portfolio Recovery Associates is currently trying to collect 2 different debts from me in which both accounts were paid in full. These accounts should not be currently reporting anything to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
We filed a complaint with the CFPB on XX/XX/XXXX regarding our mortgage servicer, NewRez. We received a response on XX/XX/XXXX from XXXX XXXX of the NewRez Compliance Department. 

XXXX XXXX stated " The loan payment history we have available starts on XX/XX/XXXX through the present date. Unfortunately, the prior servicer, Ditech Financial LLC ( Ditech ) did not provide the life of loan history ; therefore, we are unable to comply with the homeowners request for a payment history from origination through XX/XX/XXXX ''. 

In XXXX XXXX 's response, inaccurate and incomplete Escrow Payment records from XX/XX/XXXX to XX/XX/XXXX were provided. Escrow Payment Records from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX were not included. 

1. Where are the Escrow Account Payment RECORDS including the Escrow balances from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX? 

2. In reviewing the documents that NewRez supplied in their response, there are no ESCROW ACCOUNTING RECORDS from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Apparently NewRez does not have any Escrow Account Records at all from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX because in their reply on XX/XX/XXXX the only Escrow Payment Records that were included were up to XX/XX/XXXX. Therefore what records did NewRez use to calculate the claimed amount of due of {$4400.00} which was filed on Official Form 410S1 on XX/XX/XXXX with the United States Bankruptcy Court for the : Western District of North Carolina? 

3. Why did XXXX XXXX state that " The loan payment history we have available starts on XX/XX/XXXX through the present date '' However she only provided Escrow Account Payment Records up to XX/XX/XXXX and not the present date? Why did she not provide any Escrow Accounting Records for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: MO

Complaint narrative:
On XX/XX/XXXX I filed my initial dispute requesting for investigation and shows nothing was done. Then on XX/XX/XXXX sent another investigation sent in a request for investigation and if go pass 45 days threat to file a complaint and then 60 days request to file a complaint and still NO INVESTIGATION was performed. I am aware that due to the pandemic the bureaus have 60 days ; however it has surpassed that time. I am now requesting REMOVAL of the derogatory, inaccurate erroneous accounts immediately. Attached are letters from my initial dispute and the 45 day request and then the 60 request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputes letters to all 3 bureaus XXXX, XXXX  and Equifax about incorrect and invalid information on my credit reports. They have failed to respond to me. I sent a demand to comply letter to all three in hopes of getting a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My wallet was stolen by a friend back in 2014 and she took it and wrote a fraudulent check of some sort on my behalf, I never heard from her ever since so chase closed my account even though I called and reported my card stolen once I saw some odd transactions and they still closed my account I called back to make amends and pay off the overdrawn account that was not my fault or doing and they said I would be able to open a chase account after I paid it off so I did because I would like to be a chase customer again. I went to a branch and opened an account twice and both times they were closed with no rhyme or reason. I am a full time XXXX student and full time worker and i would just like to be able to keep my chase account I applied for again recently and got a letter in the mail saying my account will be closed again. I would like to get an answer as to why I cant keep it open? Its for the secure checking account and I would really like to be a chase customer can someone please help me. I tried to do the right thing and paid off the balance in hopes I can open my account again and I dont think I should be held accountable for something that was a mistake I didnt want my wallet to get stolen even less from a friend who did that fraudulent act with my card. They can compare signatures and I never signed like that so why would they just not reject the check. Please someone help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: T.S. Holdings
State: AK

Complaint narrative:
Received a phone call on XX/XX/2021 called refused to use identify themselves until I stated my name. Once I validated my name they continued and claimed to be from a bill collecting agency and was calling in regards to an old balance from a past rental company for {$2200.00} and that if anyone else was in the room the call would be ended for security purposes. I informed them my funds come from my work and I would have to wait for each paycheck through the month of XXXX to pay the whole bill. That was unacceptable so I agreed to pay XXXX on XX/XX/2021. After that amount was transferred we agreed on XX/XX/2021 for the remaining amount to be processed. Due to lack of funds it bounced and I received a phone call on XX/XX/2021 and while I was trying to calmly and politely explain the situation and give a definite date for the payment I was yelled at and my credit threatened then at their mercy I was transferred to another person and told to get a payday loan. XXXX when I had called them upon their answer laughing was heard and thereby breaching the security and legitimacy of the company claims. 
*I have never received a letter claiming the outstanding bill or services are legitimate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28 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: MO

Complaint narrative:
On XX/XX/XXXX I filed my initial dispute requesting for investigation and shows nothing was done. Then on XX/XX/XXXX sent another investigation sent in a request for investigation and if go pass 45 days threat to file a complaint and then 60 days request to file a complaint and still NO INVESTIGATION was performed. I am aware that due to the pandemic the bureaus have 60 days ; however it has surpassed that time. I am now requesting REMOVAL of the derogatory, inaccurate erroneous accounts immediately. Attached are letters from my initial dispute and the 45 day request and then the 60 request.

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 2021-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
On XX/XX/2021, I registered for an account with Gemini and submitted all necessary documentation to have my account set up and verified. 

On XX/XX/2021, I purchased {$480.00} worth of XXXX ( XXXX ) through the Gemini app. 

Since this date, I have been unable to access these funds because Gemini has failed to verify my account despite multiple attempts to contact them regarding this matter. They have been evasive and unresponsive and I have no way to withdraw my funds from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
On XX/XX/XXXX, Linebarger Goggan Blair & Sampson, LLP contacted me via letter in an attempt to collect an alleged from XXXX that is not owed by me. I requested proof of the alleged violation from Linebarger Goggan Blair & Sampson, LLP, and they failed to provide proof of the alleged violation, but are continuing to attempt to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: U.S. BANCORP
State: IL

Complaint narrative:
We have tried to resolve the fact that US Bank placed charges on our account that they said that I, XXXX XXXX XXXX, signed for. They do not have any records of me ever signing for this credit for any charges to go on it. After trying to get some resolution and no one ever calling me back, they put that I would not pay on my consumer report ( bad marks ). I since have tried to get this resolved. This is like a XXXX XXXX scam. Any time I try to ask for someone to speak to, I get a paper in the mail to fill out and send back to them and no one replies. Again, this is totally a XXXX XXXX scam! Please help! My credit is now bad because of this scam.

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 2021-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I have sent 3 debt validation letters to the company that i am attaching to complaint. This company hasn't provided the requested information for the debt they are stating is owed to them. This company is violating HIPPA laws as well as the Fair Debt collection act. Letters were sent in XXXX, XXXX, and XXXX. i received one letter from the company with a total of the alleged debt that they would request for this information to be removed however ; it is still reporting as open on my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: IA

Complaint narrative:
Experian reinserted a debt on my credit profile that was deleted they also did not notify me within 5 business days in writing. That is punishable by a {$1000.00} violation per the fair credit reporting act section 623. They also have kept a negative nasty address on my report in which I've provided proof numerous times that the address of XXXX XXXX XXXX on my account in which I've never lived here at all. This also is a violation punishable by {$1000.00} per fair credit reporting act section 623. I have sent several disputes to experian since XX/XX/2020 to remove the address and yet here we are nearly 5 months later and i still haven't gotten this address i have never lived at off of my report. This is ridiculous.

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 2021-03-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i have contacted experian on several different occasions to remove this information because i went to court twice and showed proof to the judge and he dismissed the case in my favor that i owed this apartment complex nothing now i have a pending lawsuit against them. Experian is the only credit company that has not remove this from my credit report stating that it is accurate.

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 2021-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: T.S. Holdings
State: TX

Complaint narrative:
i have contacted XXXX  on several different occasions to remove this information because i went to court twice and showed proof to the judge and he dismissed the case in my favor that i owed this apartment complex nothing now i have a pending lawsuit against them. XXXX  is the only credit company that has not remove this from my credit report stating that it is accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation