vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO

Complaint narrative:
Credit Bureau Systems has violated my HIPPA rights 16 different times by accessing my protected medical records, procedures and medications without my authorization. I never signed a contract with them or a HIPPA release for them to access my medical records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: FL

Complaint narrative:
I disputed several wrong and incomplete information from my credit report to 3 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 2021-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
Wakefield and Associates has violated my HIPPA rights numerous times by accessing my protected medical records, procedures and medications without my authorization. I never signed a contract with them or a HIPPA release for them to access my medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: IN

Complaint narrative:
Back in XXXX I found a collections reported to my credit report on behalf of XXXX. The debt was mine and I took the necessary steps to pay in full which included a past due balance as well as returning equipment directly to spectrum in person. This happened in XXXX of 2020. I then called and informed IC Systems that the debt had been paid and I asked what was needed to do to get this removed. They stated that if I mailed copies of my paid receipts they would have it deleted. The paperwork was mailed and I waited at least a month to call to give them ample time. I called to confirm they received it and why it was still showing as a debt. They confirmed they had copies of the receipts but they needed to get confirmation from XXXX  themselves from their collections department that it was now being reported as XXXX debt. I called XXXX explained the situation and they flagged my account so that it was pushed through AGAIN to report to IC Systems that it had been paid as they had already done. Another month or so goes by and I call IC Systems because it is again showing on my credit report and they refuse to update their balance in their system even after I sent receipts. The representative then tells me I now have to send copies of my personal bank account info showing the payment went through because I could have reversed the payment. After several calls and almost 9 months later they still refuse to update their records even after both XXXX and I personally have shown them proof. They have yet to help or try to resolve this issue only giving me more hoops to jump through for a {$350.00} debt. This is unacceptable especially when I have receipts including chat conversations with a XXXX  representative. Please resolve this.

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 2021-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
I sent {$1800.00} western union to a friend after I sent it I received an email from western union that they needed me to call to varify information. 
When I called the began to interrogate me and ask personal questions about my relationship with my friend exactly why am I sending this money, when I last seen him in person why I didnt give him the money then how long I know him feeling violated I did not answer the questions to there liking the cancelled the western union and have not yet refunded me my money I was told I 24 hours. 
I feel my rights were violated by this phone call and would like to put a complaint against this type of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: IL

Complaint narrative:
I received a letter stating I owe for a XXXX account I DO NOT have and I called and went into the store for XXXX and was told the account provided on the letter was NOT a XXXX account number. This is fraud and I had issue before someone tried to get a pay day loan in my name and I put a credit freeze on my report and filed a police report. I also received a letter someone tried to file unemployment in my name. This is ridiculous and not ok. I am filing a fraudulent report with the XXXX, YOu and the Federal trade commission. I work hard to keep my credit in good standing and this is WRONG. 
Someone need to do something about this company fraudulent claims. I also spoke to XXXX fraudulent department regarding this matter AFNI, Inc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: Credit Technology, Inc.
State: GA

Complaint narrative:
I have had a recent hard inquiry on my account from the following. 

Credit Technology Incorporated. 
XXXX  XXXX XXXX  XXXX XXXX XXXX. 
XXXX, CA I do not know this company and I did not approve this inquiry. This is complete fraud and I would like to dispute it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
i have contacted the creditors which say they do not have any of my information i have contacted the credit bureaus and they will not remove it the inquiries on my credit report that i did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I owe this company no money. The apartment complex failed to repair my leaking roof which resulted in a molded roof. The molded roof violated the rental agreement and the apartment complex allowed me to move out with no penalty. This account should not be listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr. Cooper 's Mortgage NATIONAL PANDEMIC EMERGENCY FORBEARANCE. A verbal agreement over the phone, on the heels of XX/XX/XXXX. No paperwork requested or required. I was told to just start making my regular payments at the end of the time. In fact not one letter was sent in four ( 4 ) months. at the end of the Forbearance it would go to the end of my loan as a deferment. I a sured them that was the only way I could take the NATIONAL PANDEMIC EMERGENCY FORBEARANCE as I am a first time buyer recipient. I called in XXXX to tell them I wanted off the forbearance but was talked out of it as it would be best to stay the course. so they said, so I did. But then after I called I got a letter in the mail like a summery. I called back as soon as I receiving it and was told not to worry about it it was just a thing they had to do.That everything was as we agreed. Fine it's a crazy PANDEMIC. 
At the end of our the agreement I was simply to resume payments. I did. But then they started calling two ( 2 ) and Three ( 3 ) times a day. wanting me to go back on the NATIONAL PANDEMIC FORBEARANCE PLAN. One woman said she just needed to do same paperwork first. I had believed MR. COOPER MORTGAGE so I let her put me back on the plan however it was only to take me off after she could to her paperwork. Then she said it work take a few days. I asked her to call me right call. the next week she called to tell be I did not qualify for my deferment and that I would have to " apply '' for a one of their options. I verbally withdrew from the forbearance plan on the spot. She said I was unable to without filling out one of their options. While still just days into a renew program I raced to the post off to put this one in writing. ( see attached cert. letter ). I continued to make my monthly payment. They did try block it. 
After they received my letter I begin getting letters, phone calls and now emails. the e-mail attached makes a 24 hour demand prompting this complaint. I quickly replied to the sender as I do not have a on-line profile with Mr.Cooper Mortgage. Then raced back down to the post office and mailed the same response. In the statement dated XX/XX/XXXX in " past payment breakdown '' they acknowledge the XXXX payment. It was never my intention to hurt Mr. Cooper Mortgage with a complaint, however I feel they have given me no other option. 
Attached : Two payments from XXXX XXXX to Mr. Cooper Two Certified letters E-mails Bills and correspondences

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
i have contacted the creditors which say they do not have any of my information i have contacted the credit bureaus and they will not remove it the inquiries on my credit report that i did not authorize

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 2021-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
i have contacted the creditors which say they do not have any of my information i have contacted the credit bureaus and they will not remove it the inquiries on my credit report that i did not authorize

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 2021-01-30 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: TN

Complaint narrative:
My credit card balance is {$0.00} on my XXXX XXXX XXXX  and all three bureaus keep showing it as {$10.00} over the limit. Then they won't let me dispute the balance.

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 2021-01-30 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit card balance is {$0.00} on my XXXXXXXX XXXX XXXX and all three bureaus keep showing it as {$10.00} over the limit. Then they won't let me dispute the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC
State: WI

Complaint narrative:
After 11 years of litigation, 3 bankruptcy actions ( two ChXXXX 's and a Ch. XXXX ) against XXXX XXXXXXXX XXXX, XXXX, XXXX obtained a judgment in foreclosure using the FALSELY ALLEGED HOLDER " XXXX XXXX, XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. The note was held by " XXXX XXXX XXXX XXXX XXXX ''. XXXX was Trustee and would have been subject to our counterclaims for fraud, but they used a different " trust '' to foreclose to avoid lender liability. 
Foreclosure judgment obtained in XXXX XXXX ( XXXX XXXX, WI ) after they bribed a judge with a {$120000.00} mortgage " reduction '' by " XXXX '' letter only back in XXXX. I have proof of that bribe. 
XXXX ( non-performing loan ) sold to Specialized Loan Servicing, who contacted me in XXXX of XXXX seeking to collect monies for " escrow shortgage ''. I sent a QWR, timely, and it was ignored. 
We are now in receipt of a 1099-A for the XXXX tax year for the foreclosed property which was quit-claim deeded to the lender in late XXXX to avoid any liability from the ZOMBIE FORECLOSURE property left to rot and deteriorate. XXXX XXXX and SLS are engaged in a racketeering enterprise to harm past customers/borrowers/victims of foreclosure fraud. Debt discharged in BK. THERE IS NO DEBT!

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 2021-01-30 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: ProCollect, Inc.
State: TX

Complaint narrative:
I have requested multiple times that this info be verified as mine, but the company has failed to respond. This info should not be reported to my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
On multiple occasions, I have asked that this info be verified as mine and the company refuses to respond. This account is not mine and can not be verified as mine so it should not be reported to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: I.C. System, Inc.
State: TX

Complaint narrative:
On multiple occasions, I have asked that this info be verified as mine and the company refuses to respond. This accounts are not mine and can not be verified as mine so it should not be reported to my credit report.

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 2021-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I refinanced my loan and Loancare received the funds for the refinance on XX/XX/XXXX. Loancare appeared to charge {$920.00} for 16 days of interest in XXXX. This interest per day rate of {$57.00} was higher than the interest per day for the previous months, XXXX 's interest per day rate was {$20.00}, XXXX 's was {$20.00}, and XXXX 's would have been {$19.00}. I asked them to clarify why the interest per day rate was higher for the 16 days XX/XX/XXXX but they told me to call their XXXX number instead of providing an answer. The reason I sent in the complaint was so that they could investigate it and get back to me with the explanation. The telephone representative likely won't know why i was charged more interest in the final period before the refinance of the loan. I tried doing a web search to see if this is typical but didn't find anything.

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 2021-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX At The Avenues on XX/XX/2020. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges I was not expecting a bill. On XX/XX/2020 Capital One Auto Finance sent me a letter attempting to collect a debt. 

I have sent Capital One Auto Finance to investigate the account and provide verification, Capital One Auto Finance did not comply and is in violation of 15 usc 1692g ( 3 ).

Capital One Auto Finance has also threaten to repossess property belonging to me, which is a violation of 15 usc 1692d ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
On multiple occasions, I have asked that this info be verified as mine and the company refuses to respond. This account is not mine and can not be verified as mine so it should not be reported to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: TN

Complaint narrative:
My credit card balance is {$0.00} on my XXXX XXXX Card and all three bureaus keep showing it as {$10.00} over the limit. Then they won't let me dispute the balance.

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 2021-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I told them I could not afford the payments they were asking tried to work with them would not allow me too still requesting high payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: Avadyne Health Holdings, Inc
State: NC

Complaint narrative:
On multiple occasions, I have asked that this info be verified as mine and the company refuses to respond. This account is not mine and can not be verified as mine so it should not be reported to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-30 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: Radius Global Solutions LLC
State: NC

Complaint narrative:
On multiple occasions, I have asked that this info be verified as mine and the company refuses to respond. This account is not mine and can not be verified as mine so it should not be reported to my credit report.

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 2021-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
XX/XX/2020 I paid the full amount of XXXX $ to awa collections or 12 two jin inc. It's still on my XXXX  report does not showed I've paid I tried desputing but nothing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-30 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:
Hello, On XX/XX//2020 I opened a dispute on my Equifax credit report. Disputing a debt owed by a company I did not enter into any contract with. 

As of XXXX/XXXX/2020 that dispute has yet to be resolved. 

After verifying my identity by submitting a copy of my driver 's license and social security card. I was told it had been more than ( x ) amount of days, and I needed to resubmit my id & ssc to verify my identity again. 

Answering their 5 verification questions, I always manage to provide the " wrong '' answers according to them. However, the fact of the matter is ; I've answered the questions truthfully and they ate not able to explain how or why the answers are wrong. Even after verifying my identity the first time around. 

To this present day I've done my part to resolve the issue but them not being able to reach a decision, is hindering me from being able to reach my credit goals.

Company response to consumer: Closed with explanation