vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-09 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

Furthermore, this company DID NOT AND CAN NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPA
A rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

Furthermore, this company DID NOT AND CAN NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau XXXXesponsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a public record entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax and XXXX  verify their public records. 
I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. 
I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. 
Being that I work for a XXXX XXXX, I know the court system and their procedures but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the courthouse. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. The manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuse to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
N. 1- Personal information is, real name is XXXX XXXX as it appears on social security, correct address since XXXX is XXXX XXXX XXXX XXXX , fl XXXX. 

N. 2- The inquieres were not authorized only XXXX XXXX XXXX 

N. 3- Account N.2. That purchase was disputed at the Florida Deparment Agriculture and they did not comply with what they agreed with this department. XXXX / XXXX XXXX XXXX XXXX. 

N. 3- Account N.3 XXXX  XXXX N.3- Account collentions XXXX XXXX  that account has already been claimed by the licensed XXXX XXXX and they are placing it with another name ... XXXX XXXX I do not XXXX it .... XXXX XXXX XXXX was claimed in the three companies by lawyer XXXX XXXX. XXXX XXXX XXXX {$1700.00}. 

N.4-XXXX XXXX is the company with which I have the house loan. The company XXXX  reported me late payments in XXXX, XXXX and XX/XX/XXXX and I was protected for three months under federal law for people who were victims of Hurricane Irma and I was a victim of Hurricane Irma. I want to change the status that appears on my credit for payments made on time. 
In XX/XX/XXXX I applied for a foruobance program with XXXX XXXX and was eligible for the program and the house mortgage payments were different and authorized by XXXX XXXX, this program with the coronavirus spread. I have reported with the XXXX  credit bureau late payments from XX/XX/XXXX and continuing. I want to change the status of payments for payments made on time N.5- The XXXX student loans appear divided into four, it seems to me incorrect, only one total should appear and they are still not authorized to charge me, therefore I want them not to be until they are authorized. 

Very Thank for helpmy

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 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
N. 1- Personal information is, real name is XXXX XXXX as it appears on social security, correct address since XXXX is XXXX XXXX XXXX XXXX XXXX fl XXXX. 

N. 2- The inquieres were not authorized only XXXX XXXX XXXX 

N. 3- Account N.2. That purchase was disputed at the Florida Deparment Agriculture and they did not comply with what they agreed with this department. XXXX / XXXX XXXX XXXX XXXX. 

N. 3- Account N.3 XXXX  XXXX XXXX Account collentions XXXX XXXX that account has already been claimed by the licensed XXXX XXXX and they are placing it with another name ... XXXX XXXX I do not recognize it .... XXXX XXXX XXXX was claimed in the three companies by lawyer XXXX XXXX. XXXX XXXX   XXXX {$1700.00}. 

N.4-XXXX XXXX is the company with which I have the house loan. The company XXXX  reported me late payments in XXXX, XXXX and XX/XX/XXXX and I was protected for three months under federal law for people who were victims of Hurricane Irma and I was a victim of Hurricane Irma. I want to change the status that appears on my credit for payments made on time. 
In XX/XX/XXXX I applied for a foruobance program with XXXX XXXX  and was eligible for the program and the house mortgage payments were different and authorized by XXXX XXXX, this program with the coronavirus spread. I have reported with the Experian credit bureau late payments from XX/XX/XXXX and continuing. I want to change the status of payments for payments made on time N.5- The XXXX student loans appear divided into four, it seems to me incorrect, only one total should appear and they are still not authorized to charge me, therefore I want them not to be until they are authorized. 

Very Thank for helpmy

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 2020-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD

Complaint narrative:
I purchased a XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX XXXX in XXXX XXXX, MD and was financed through Prestige ( XXXX XXXX XXXX XXXX, XXXX, UT XXXX ) in the amount of {$27000.00} when the car was 4 years old. XX/XX/XXXX I started having major mechanical troubles spending close to {$3000.00} to repair. After having all of the repairs done the car would still cut off while driving so I decided to try to trade the car in XX/XX/XXXX. When I went to the XXXX dealer the finance manager who assisted me told me that the car wasn't even worth {$5000.00} and reviewed my payments for the car and stated as of XX/XX/XXXX I have made over {$30000.00} in payments and with my 72 month loan the car should be paid off or close to being paid off. At that time my credit report indicated that I had already made 65 payments and documented once in XXXX that I had a payment over 30 days late. My payments were supposed to be {$590.00} a month. However, my account manager XXXX XXXX allowed me to make payments in the amount of {$540.00} a month plus a {$10.00} processing fee to bring my payments to {$550.00} a month. The finance manager who was helping get into the new car stated that I still had over a {$14000.00} balance which is an indication of predatory lending. He advised me that it would be in my best interest to request all of my original loan documents along with a break down of where the payments are going because he felt my interest rate had to be over 24 % which means the payments are going mostly to the bank and not the loan. He indicated that I would actually never really pay off the loan. I went ahead and purchased the new car because I needed a reliable car for my kids and I. On XX/XX/XXXX I sent a letter to prestige auto requesting they pick up the XXXX XXXX ( voluntary repo ), send me the original loan documents, and a break down of payments made so far so I can have my loan investigated. I also, asked if we could come up with a FAIR settlement because the car wasn't worth {$14000.00} and I had already paid over {$30000.00}. The finance manager stated with his calculations even with late payments and deferments I still would not owe over {$14000.00}. My 1st request was sent on XX/XX/XXXX to no avail. They finally picked up the car on XX/XX/XXXX. I sent a 2nd request on XX/XX/XXXX to follow up on my document request but to no avail. I sent both request via priority mail so I do have confirmation that both letters were delivered. I mailed everything to the P.O box address that they have listed for written correspondence. 

I requested everything sent through the mail. I do have standing cease and desist request placed on my file because they have harassing collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: GA

Complaint narrative:
On XX/XX/XXXX a collection account showed up on my credit report from a company called Professional Bureau Of C  for the amount of {$7200.00} showing an account opened on XX/XX/2020. 

I have sent a letter to the company requesting that they remove the inaccurate information from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: I.C. System, Inc.
State: FL

Complaint narrative:
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

Furthermore, this company DID NOT AND CAN NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2020-04-09 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: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

Furthermore, this company DID NOT AND CAN NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have receipt a bounced check fee from wells fargo about 3 weeks ago. Not my fault. Had funds, no solution. Today, I get charged an over draft fee because when I have funds. Also, I can not transfer from checking to savings so I can't buy groceries. The over draft fee happened to wipe out my checking. This is a pandemic and Wells Fargo is making my life even harder. Please help

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 monetary relief
Consumer complaint received 2020-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
On XX/XX/XXXX, I took out a payday loan through Speedy Cash on XXXX, XXXX, TX in the amount of {$150.00}. The contract was for six ( 6 ) months and the payments would be {$34.00} a month starting XX/XX/XXXX. I asked for the payments to be withdrawn from my bank account on the XXXX XXXX XXXX XXXX because I'm a XXXX senior citizen and my social security checks come on the 1st of each month. The loan company took {$34.00} from XX/XX/XXXX thru XX/XX/XXXX and on XX/XX/XXXX, they took a total of {$190.00}, which came to a total of {$330.00}. I contact the company for an explanation of the last withdraw and this is what they said : " Since the payments are due on the 1st and we didn't process it until the 4th there was an additional {$34.00} added to {$150.00}, plus {$5.00} that goes to a 3rd party, '' I asked was happened to the 4 payments of {$34.00} which is a total of {$130.00}. Her response was " It's all interest, and nothing was applied to the principal. The total amount of the loan, plus interest, plus the 3rd party fee was due at the end of the loan which is XX/XX/XXXX. '' When I told her that the charge does not add up and I wasn't aware of these out-rigid charges, she said she would let her manager know how I feel, but nothing can be done, these are their charges. This is double the amount of the loan and something needs to be done about it. 
I informed her that I would be referring this to the Federal Bureau for investigation.

Company response to consumer: Closed with explanation