vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC

Complaint narrative:
For the past several months, Healthcare Revenue Recovery Group ( HRRG ), has been repeatedly calling my phone before XXXX each day. I have requested a " cease and desist '' all communication ; but it has been ignored by HRRG. The harassment has been ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
During the origination of my team member loan with Rocket Mortgage XXXX : XXXX my escrow account was calculated improperly and the company failed to correct it which caused me to miss my closing date. Multiple contacts were made with the company, my requests were actively ignored. My closing date was missed and additional costs were incurred due to the Rocket taking additional time to correct their mistake with the escrow account collection amount. 

I'm 1 year into servicing with Rocket, and I was notified my escrow account analysis occurred which caused an increase in payment of {$500.00}. I called and spoke with a team member on XX/XX/2022 named XXXX who promised I'd receive a call back within 24 hours to explain the increase. I've not received a call back. The servicer is ignoring my requests to explain the increase and I can not afford to pay the increase. I don't understand why there was an increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: SC

Complaint narrative:
Experian found that I had not paid XXXX and placed it in collections. I have a receipt showing that I paid the item

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 2022-12-14 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: IL

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-14 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: IL

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was contacted by a hacked email from my college for a job opportunity and was told to send money for materials which I would be later reimbursed. I send a total of XXXX dollars on XX/XX/XXXX and received 2 fraudulent reimbursement checks. I sent another total of XXXX on XX/XX/XXXX and received 2 more fraudulent checks from them. The checks have bounced and I have no money in my account now. I tried contacting Wells Fargo for a refund on XXXX transfer but they said I wont get my money back.

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 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX XXXX XXXX made a payment to transfer the balance on a Comenity Card for {$11000.00}. XXXX XXXX on XX/XX/XXXX on their part without my authorization made a duplicate payment of {$10000.00}. This created an over-payment and credit balance on the Comenity Card of {$10000.00}. 

XXXX XXXX indicates that I have to work with Comenity to get the payment back and Comenity is stating it will take a month to issue a credit. XXXX XXXX states they can not reverse the second payment is charging me interest, late fees, transfer fees and penalties for being " over the limit '' on my new card due to THEIR mistake and over-paying. 

Comeneity is saying that it will take 20 business days to refund me the overage payment MINUS {$180.00} of interest. This is a mistake that was made between two credit card companies and I am the consumer with no authority to issue payments or refunds. 

I spoke to 3 different agents from XX/XX/XXXX - XX/XX/XXXX at Comenity and all they offered to do for me was a refund check and said because it is was over {$500.00} they had to " hold '' my money for EXTRA 10 days?? When they received the overage on XX/XX/XXXX. They should have sent it back immediately as the card had been paid off in full on XX/XX/XXXX. 

This is abuse to myself as the consumer since I have no way to fix this without the two credit card companies working together. I instead am left to fight both of them all the while MY CREDIT is being harmed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14 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: FL

Complaint narrative:
Please update and verify the following account below, which is not mine but is reporting on my credit report, the information reported is incorrectly. I have never incurred debt with these creditor, I did not made or authorized it. The account is not mine! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14 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: LA

Complaint narrative:
This account is ilegally reporting on my credit record, This collection is violating my privacy and the HIPPA Law. I would like for this collection to be removed from my credit record within 21 days. Thanks

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 2022-12-14 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: NY

Complaint narrative:
My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Commonwealth Financial Systems, Incorporated, for committing identity theft. I have never given Commonwealth Financial Systems, Incorporated, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with Commonwealth Financial Systems, Incorporated and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of ( todays date ), I have not received any documentary evidence, such as a trilateral contract, giving Commonwealth Financial Systems, Incorporated any right to collect on this alleged debt.

I have never received any documentation requesting validation from Commonwealth Financial Systems, Incorporated, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Commonwealth Financial Systems, Incorporated, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Commonwealth Financial Systems, Incorporated, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Commonwealth Financial Systems, Incorporated, continues its collection efforts, I will file for litigation for actual damages caused and Commonwealth Financial Systems, Incorporated, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK
State: MI

Complaint narrative:
I bought a keyboard from XXXX in XXXX, it arrived damaged, I asked for a return and was given an address in XXXX, not a pre-paid label. I check and it would have cost up to {$80.00} to ship back a {$130.00} item. I filed a dispute with Discover, it went back and forth. I contacted Discover asking for an XXXX agent, as I am XXXX, I was given a supervisor, I was in tears, the supervisor stated he would make a one time exception and refund me the amount and end this dispute once and for all and that I would never hear about it again. Today I wake up to a letter stating I owe the money again! They are unwilling to help me, lied to me, and are now assisting XXXX in defrauding me. " They never provided me with an XXXX agent!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
- I HAVE ACCOUNT WITH CAPITAL ONE CREDIT CARD, ON XX/XX/2022 I PAID BY PHONE {$160.00} ( TRANSACTION XXXX ). 
- ON XX/XX/XXXX I PAID {$77.00} and my balance to pay was XXXX. 
- ON XX/XX/XXXX, PER A REFUND OF ITEM I RECEIVED {$190.00} AND WAS IN THE CREDIT CARD AS CREDIT. 
- ON XX/XX/XXXX CAPITAL ONE CREDIT CARD COMPANY CHARGED ME {$160.00} POR A TRANSACTION THAT I NEVER DID ( MY LAST ONLINE ORDER TRANSACTION WAS IN XX/XX/2022 ), ALSO I DIDN'T RECEIVE ANY ITEM - *****IN XX/XX/XXXX AT XXXX ; XXXX, I CONTACTED CAPITAL ONE AT PHONE ( XXXX ) XXXX XXXX, THE REPRESENTATIVE INFORMED THAT CAPITAL ONE IS NOT GOING TO REFUND ME {$160.00} THAT THEY TOOK FROM MY ACCOUNT. 
- *****ACCORDING WITH RECORDS : CAPITAL ONE ON XX/XX/2022, RECEIVED TWO PAYMENTS FOR {$160.00} AND {$160.00}. IN XX/XX/XXXX I JUST PAID {$160.00}. MEANS THAY NEEDS TO REFUND THE MONEY TO THE TD BANK, INSTEAD OF TAKE MONEY FROM MY ACCOUNT ( I CONTACTED ON XX/XX/XXXX, XXXX XXXX PHONE XXXX XXXX XXXX AND THEY STATE " WE MAKE A CAPITAL ONE DISPUTE ON XX/XX/XXXX, FOR {$160.00} THAT THEY CHARGE ME EXTRA ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: NJ

Complaint narrative:
I went to purchase a vehicle, I was not informed that my credit will be share with multiple lenders. Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14 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: VA

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-14 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: Chime Financial Inc
State: FL

Complaint narrative:
I have contacted Chime ( XXXX ) several times since XX/XX/XXXX regarding the XXXX XXXX XXXX  I had loaded the card with {$150.00} and only used {$120.00} which was paid in full before the billing cycle was complete. I continued to receive emails and notifications that my payment was past due and that my card had been deactivated. 

I spoke with several agents who advised me to simply make the payment again then transfer the funds to my checking and simply not use the card and this would not continue to happen nor would my credit be affected. 

This Monday XX/XX/22 I checked my XXXX XXXX account and to my surprise my credit score had dropped XXXX points because of late payment referring to the Chime XXXX XXXX XXXX. I spoke with a rep immediately that day to express my frustrations as I had called several times from XX/XX/22 until this point because despite what the reps told me I continued to receive emails saying my payment was past due. I was told to disregard those emails and that nothing would be reported. On my call on XX/XX/22 the rep told me someone from their team would be contacting me within 24 hours to resolve this issue. I have yet to be contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: TN

Complaint narrative:
I demand all accounts below to be deleted, pursuant to 12 CFR 1090.104 ( ii ) and 15 USC 1681a ( d ) ( 2 ) ( i ), the term consumer reporting and consumer report does not include the activities of a person to the extent that a person collects, analyzes, maintains, or provides information that relates solely to the person 's transactions or experiences with consumers. I do not give my permissible purpose or written instructions for you to report my experiences and transactions with the following financial institutions listed below. Immediately purge and delete the 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 explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am a victim of identity theft and it found out in XXXX and started my journey to fix this issue, XXXX accounts were opened under my name XXXX  XXXX XXXX  XXXX XXXX Capital one bank XXXX XXXX and XXXX XXXX bank have been closed and removed. 
Capital one I have been trying to close the account and remove it completely, I never authorized or signed anything regarding this account nor did I get a call or anything regarding this account and I have proof regarding this account, since I have been dealing with capital one with the worst customer service and not having any luck trying to resolve my issues, I have proof me submitting all documents and calling since XXXX or XXXX regarding these fraudulent accounts yet the company has not called my once regarding my complaints. 
Capital one case number # XXXX I have investigated this issue myself and so far the address is not mine, phone not mine signature on the account is not mine, email is not mine and I have been calling regarding this accounts for XXXX months now till today XX/XX/2022 I have not gotten anyone to take care of this issue, and please capital one, I have never authorized anyone to open an account under my name, I have submitted all documents needed to prove that the account is not mine and I would like capital one to contact me regarding this issue.

Company response to consumer: Closed with non-monetary relief