vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: IA

Complaint narrative:
XX/XX/XXXX I had a XXXX done by XXXX XXXX. I was billed XXXX. I paid XXXX XXXX directly on XX/XX/XXXX. On XX/XX/XXXX at approximately XXXX XXXX  CST I spoke with XXXX XXXX, a debt collector with CPC Recovery Group. ( Central Portfolio Control ). I emailed him the receipt of the medical bill being paid. XXXX stated that the bill i provided was not suffice. ( attached ). I advised that it had been paid and he confirmed that the XXXX XXXX account number that i had paid on XX/XX/XXXX was the account they were trying to collect. I asked them if they would contact XXXX XXXX XXXX   and confirm that it had been paid. I was advised that they would not do that and i had to provide additional documentation. There were several more phone calls in which i do not have the intimidate access to time and date, but can find them if i need too. 

Starting XX/XX/XXXX the debt was added to my credit report. CPC would not return my calls, not contact XXXX XXXX or remove the collection from my credit report that should not have been there in the first place. 

On XX/XX/XXXX i again sent the statements showing the account was paid to a XXXX XXXX. The debt is still not going to be removed. I can not get CPC to contact XXXX to confirm it was paid, or accept the statements i have showing it was paid. 

Over the last 9 months, i have been hung up on multiple times, can not get return calls and can not get CPC to pick up a phone and contact XXXX XXXX and confirm it was paid before they received the account to be collected on. I have exhausted all of my options and i have nowhere else to go to get assistance with this. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
HSBC is holding my money and keeping my account open against my wishes. On XX/XX/2020 I wrote to HSBC requesting they close my account and send me the remaining balance. That letter is attached for your reference. HSBC ignored my written request. I can not withdraw the remaining funds via ATM because the balance is less than {$20.00}, and HSBC 's ATM only dispenses cash in multiples of {$20.00}. I can not go into a branch for pandemic-related reasons. I really need that cash, and am tired of HSBC 's intentional delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I joined XXXX just so I would get better service, and the service is still awful. I disputed one account last year and it was supposed to be removed, however recently I saw that XXXX is still reporting it incorrectly. I also have tried with all three of the reporting agencies about the removal of late payment, they can't be investigating it correctly because I contacted the company and was told that they could not find a late payment. Additionally, all of these companies report better scores when you become a member. This has to be fraudulent behavior. I would like to have all three companies to be investigated about having to be a member in order to get your score reported correctly.

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 2020-05-08 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: MD

Complaint narrative:
I joined XXXX just so I would get better service, and the service is still awful. I disputed one account last year and it was supposed to be removed, however recently I saw that XXXX is still reporting it incorrectly. I also have tried with all three of the reporting agencies about the removal of late payment, they can't be investigating it correctly because I contacted the company and was told that they could not find a late payment. Additionally, all of these companies report better scores when you become a member. This has to be fraudulent behavior. I would like to have all three companies to be investigated about having to be a member in order to get your score reported correctly.

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 2020-05-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is a follow-up complaint against Experian ( see XXXX ) because this credit bureaus has either ignored my concerns in XXXX - they said that I did not provide specific disputes when they have records of those specifics from my disputes via online ( when I had access to dispute ) and via mail. 

I have done everything possible to formally file my disputes, and this CRA has repeatedly violated multiple sections of the FCRA with no regard for accuracy in reporting. The inaccuracies that I have disputed have come directly from the reports they have furnished! 

The company, as retaliation against me for filing a complaint with the CFPB, appears to have deactivated my ability to dispute legitimate errors on my file, online. I spoke with a representative recently who attempted to assist me but it was unsuccessful. 

Attaching formal disputes sent via certified mail to the credit reporting agency. These are the same online disputes that were submitted, although I can not access them because Experian has blocked me from using the dispute feature. I received an error message regarding technical difficulties. 

This credit reporting agency, at a minimum is violating 3 sections of the FCRA ; Sect 609, 611, 623. Experian is reporting inaccurate information on my file as " accurate. '' They are not investigating.

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 2020-05-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
received a BUSINESS CREDIT CARD from XXXX XXXX ( accont # XXXX ... .. ). card is used for corporate expenses only!!! experian has put this card on my CONSUMER REPORT ( THIS IS NOT ABOUT ANY DELINQUENT PAYMENTS OR ANYTHING NEGATIVE!! ) i used this card to pay off a bill with my printer and it raised my balance to over 23 % usage on my consumer report!! this has dropped my credit score almost 50 points!! 
this card does not belong on my consumer report. again, it is a business account!!! 

XXXX has already deleted this from my account. waiting to hear from XXXX!!! experian needs to do the right thing!! 

thank you

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 2020-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Hello, My loan was tansferred to Shellpoint Mortage in XXXX of XXXX from XXXX XXXX. The mortage company did not pay my property taxes until XXXX of XXXX and the additional escrow funds in the amount of {$3800.00} seem to have disappeareed between the two lenders. Spellpoint Mortgage sent my home owners insurance payment to XXXX for the entire year. The policy premium was {$4800.00} The payment caused my morgage to inctease by {$300.00} dollars because of the negative escrow balance. In XXXX of XXXX, I called Shellpoint Mortgage to ask what needed to be done to pay my insurance directly to XXXX independently. I was told to write a letter requesting my changes. I wrote the letter and started the direct drafts for my checking account to XXXX. However, when the policy renewed, Shellpoint Mortgage ontined to send payments to XXXX in XXXX of XXXX they sent a check for {$4800.00} which exceeded the amount if my premium. XXXX returned the check and they stated they did not receive the entire amount. On XXXX XXXX, my attorney send a letter to Shellpoint reitterating the things spoken by me. However, Shellpoint sent another check to XXXX on XX/XX/XXXX in the amount of {$3500.00}. Thi casue XXXX to refund payments that we individually dfated from my account to be refunded to me. I had to go through the same procedure of calling both Shellpoint and XXXX to request XXXX refund the check to Shellpoint and reverse the personal paymentsmadae to my premium. 

I am truly frustrated with Shellpoint Mortgage and would hope that something could be done to force them to treat me as a valued customer, omplete and escrow analysis, and remove my homeowners insurance premium and PMI off the escrow account as soon as possible. 

Your attention and promptness to this matter would be grately appreciated. In a time of COVID-19, I am definiitely ocusing on maintaining without additional stress added to inpact me and my family. 

Best regards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: IL

Complaint narrative:
I wanted to get a loan for the holidays that was coming up. I'm XXXX years old and retired receiving social security and no pension. I do XXXX  but it was slow last season so I needed some holiday cash. I went online for a loan and looked at XXXX XXXX  but on a {$1000.00} loan the interest was {$500.00} dollars which is 50 % for a total of {$1500.00}. So I tried a company called Amplify. Since XXXX they have changed their name to Lendumo. While online I received a call from them for personal and bank information. The agent from the company told me to go online to read the terms of agreement. I already had the sight up but received a email telling me I was approved. After receiving the first email I received another telling me that The payments were {$340.00} a month on the date that I receive my social security monthly payment until the loan was paid. I was so glad that I was approved that I didn't notice that no interest rate was mentioned during the phone conversation. After receiving the money in my bank account the next day I went to the website for Amplify and the rate was 400 %. I called and talk to an agent and they just said that the terms was agreded upon. I told the agent didn't tell me the rate she said I should have ask I said he should have told me. I said okay I'll close my bank account when I pay the principle and reasonable interest. To date I have made payments. {$1700.00} I read on internet that I shouldn't close my bank account but give you guys a call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2020-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
I have repeatedly disputed the JEFFERSON CAPITAL SYSTEMS attempted debt collection of {$480.00} on a XXXX XXXX account. I have no knowledge of this account and believe it was opened fraudulently by an ex-spouse. The collections account shows charge-offs starting in XX/XX/XXXX and each time I've disputed the account ; I receive the same answer " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Re-investigation Information : This item was updated from our processing of your dispute in XXXX XXXX. ". This account is not mine and I've never used this account or obtained any gains from this account. I have also never received a statement or have any other knowledge on the nature of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation
State: AZ

Complaint narrative:
Company refuses to update my credit report after a settlement was made on my account and was provided with documentation as settled in full. They continue to update my credit report as late and damage my credit rating. 

Patenaude & Felix A.P.C as of XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: Transfinancial Companies, Inc
State: LA

Complaint narrative:
on XX/XX/2020I sent 2 dispute letters to transfinancial, inc for a violation that is reporting on my credit report. XXXX XXXX XXXX IS Sharing my content with TRANSFINANCIAL without my consent.This is a violation of the Hippa Law and I would like for these accounts to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have been a preffered customer of Stage credit card since XXXX they closed my account in XX/XX/XXXX I was able to to get customer service to reopen it in XXXX and then to my surprise I found out yet again stage closed my account XX/XX/XXXX XXXX and this time they said they were unable to open account because it is past the 10 days but i could this reapply is so wrong that company can get away with this during a pandemic when there stores are closed online and none open and they hurt our credit they need to be laws during a crisis to protect consumers against companies like this because another company did this to e as well and I am trying very hard to rebulid my credit not damage it. and all they said was i could reapply all my history lost how cruel!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
IN RESPONSE TO MY PREVIOUS CFPB COMPLAINT TO YOU, YOU REQUESTED THIS INFORMATION FOR YOUR FRAUDULENT COLLECTION ARS Legal Department XX/XX/XXXX To whom it may concern : As per my XXXX credit report, ARS obtained my credit file on XX/XX/XXXX. 
I don't recall applying for credit or employment with ARS. 
From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$2500.00}, whichever is greater. '' From the XXXX FTC opinion letter XXXX at XXXX XXXX XXXX  : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$2500.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. '' Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of {$2500.00} by XX/XX/XXXX. 
Please respond via EMAIL TO THE CFPB. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX, FL 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 2020-05-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: AZ

Complaint narrative:
Company refuses to update my credit report after a settlement was made on my account and was provided with documentation as settled in full. They continue to update my credit report as late and damage my credit rating. 

XXXX XXXX XXXX XXXX as of XX/XX/2020 2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEICHERT FINANCIAL SERVICES
State: AR

Complaint narrative:
We have reached out to the mortgage company ( Weichert Financial Services ) two times and they have refused to respond. 

Our mortgage ( balance {$190000.00} ) has been paid in full via refinancing settlement payment in the amount of {$190000.00} resulting in a excess payment of {$960.00}. 

We have three issues : 1 ) -Our activity history initial identified as " interest '' an amount of {$870.00}. This was AFTER our refinancing company obtained a payoff quote and AFTER they paid the full amount. 

2 ) -Weichert Financial Services subsequently " paid '' an Mbs Pool Settlement amount of {$680.00} from our balance. They have been unable to explain what this amount represents and why it was deducted from our refinancing company 's overpayment of the mortgage balance due. 

3 ) -Weichert Financial Services then allocated an amount of {$88.00} to an " Escrow Account, '' however, we have never had an escrow account as part of our mortgage loan Weichert Financial Services . We were subsequently " refunded '' {$88.00} but were never given an explanation why an escrow account was set up, money placed in this account and held by Weichert Financial Services before sending it to us. 

In short, we are still unable to get any response or understand the following transaction history : XX/XX/2020 Escrow refund {$0.00} {$0.00} ( {$88.00} ) {$88.00} {$0.00} {$0.00} XX/XX/2020 Mbs pool settlement {$0.00} {$620.00} {$0.00} {$620.00} {$88.00} {$0.00} XX/XX/2020 Loan paid in full ( cash ) {$190000.00} {$870.00} {$88.00} {$190000.00} {$88.00} {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have a {$1000.00} balance in Capital One / Walmart store credit card that includes a promotional interest free offer balance of {$120.00} that expires on XX/XX/20, I wanted to apply a payment to the {$120.00} promo balance to avoid incurred back interest, but they said I will have to pay the entire {$1000.00} balance, I don't clearly understand how payments should be applied based on banking laws, and or if they are correct about the information they gave me or if I'm being mislead. please contact me email XXXX cell phone XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Critical Resolution Mediation LLC
State: WI

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX and many other random dates I do not have recorded as many different numbers keep calling. An amount was never given only that a debt is owed from XXXX when I know I do not owe this debt. It is out of statuate of limitations for my state and there was literally no mini Miranda read letting me know who or what this entails. They are all very rude and wouldnt all a word in. Asked to speak to their attorney as it is in a pre legal status was called out of name told to pay my debt and hung up on. Have asked many times to not be called. Was told will keep calling. No credentials ever given but first names. XXXX and a XXXX XXXX. I am a XXXX XXXX and know my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
I have repeatedly disputed the JEFFERSON CAPITAL SYSTEMS attempted debt collection of {$320.00} on a XXXX XXXX XXXX  account. I have no knowledge of this account and believe it was opened fraudulently by an ex-spouse. The collections account shows charge-offs starting in XX/XX/XXXX and each time I've disputed the account ; I receive the same answer " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Re-investigation Information : This item was updated from our processing of your dispute in XXXX XXXX. ". This account is not mine and I've never used this account or obtained any gains from this account. I have also never received a statement or have any other knowledge on the nature of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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 am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. Along with a plethora of fraudulent credit inquiries.

Company response to consumer: Closed with explanation