vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Berlin-Wheeler, Inc. (Kansas)
State: KS

Complaint narrative:
So I believe in XXXX, there was a debt added to my account from a hospital in XXXX, or clinic. 
Not sure if it was for my kids, myself or ex-wife. 
We all had insurance then and I had state insurance, XXXX XXXX  and XXXX XXXX at the time. 
I'm XXXX, I went through a divorce and was removed from my house. Living in a tent for awhile. 
When I was able to get everything in my life steady from the divorce. I was wanting to build my credit and noticed a XXXX collection on my bill. I never received any bill or collections papers. 

I then tried to call the hospital that I had supposedly accrued my debt from but they said they changed their name and ownership. Billing was unable to find any information about it. And couldn't provide me anymore information. 

I tried disputing this debt. Several times over the years. One day, I called the debt collector and was left on hold for almost and hour while they chatted and spoke I'll of others. I recorded the whole conversation and still have it but when they hung up on me after being on hold forever. I called back and told the lady I was trying to dispute a claim. She tool my info and I still have never heard anything. I even provided them with update contact info. I would like to have this removed or resolved because this is the only mark against me on my credit report and would like to have it removed. Especially since the hospital is no longer in business, but that also I have attempted numerous times to figure this issue out and I am still being ignored. 

I would appreciate any help. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Pivot Financial Partners, Inc.
State: KS

Complaint narrative:
There was a problem with Pivot Financial mortgage servicing when they never paid the taxes or insurance in a timely fashion, resulting in the cancellation of my policy one year ago. Waiting until the last possible day to pay creates problems for the homeowner who must bear tremendous responsibility while the mortgage company escapes any negative consequences. The outcome is unfair and is a poor business practice. 

I hope you will understand that I elected to pay more than half the annual premium myself because Pivot shifted my account to a new company at the most inopportune time, since the insurance is due XX/XX/2023. 

I have paid ahead on my mortgage, which is my practice in handling my obligations. Please note that XXXX XXXX monthly payment is already paid. Pivot incorrectly charged me late fees and claimed I was a late pay when I have consistently maintained my account by paying early. I do not know if those erroneous late charges were ever reversed, so I would appreciate you checking into that. I wrote to Pivot about THEIR RECENT ERRORS and never received a response. They took money every month for the escrow account yet never handled the taxes and insurance. I was heavily burdened with making large payments for insurance, and was forced to find a new insurer while PIVOT hoarded my money and sat on my funds. 

I would appreciate a kind, prompt response to this letter about my account. 

Thank you for your consideration. 

Sincerely, Homeowner CC : Pivot Servicing Pivot Servicing Group XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Ive submitted several disputes regarding the account XXXX XXXX XXXX, account number XXXX, with EXPERIAN XXXX XXXX XXXX & XXXX XXXX Ive submitted in detail how those late payments violate my rights as a consumer, according the FCRA. Yet, each time a dispute is opened, directly with the credit agencies, it takes them less than 3 days to do an investigation. NOT only that, but the information being reported isnt accurate. They have late payments reported different for each CRA. Attached below. I would like written documentation, PROOF, on how these investigations took place, and were reported updated. These late payments need to be reversed immediately. If no WRITTEN PROOF, on how the investigation took place, and each CRA verified that information, within the next 30 days, these payments need to be reversed. They violate 15 U.S. Code 6802 section ( b ) OPT OUT 15 U.S. Code 1681 ( d ) Consumer Report 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: AppFolio, Inc.
State: CT

Complaint narrative:
This Company is portraying to be the property management/ maintenance provider for the condo complex I live in.

4 plus years Ive been submitting maintenance requests which I was charged higher condo fees on my app. Page for and I was never notified 4 months ago my condo fee went up again. 
When I call this Company to make a Mai thence request they tell me they do not maintain any maintenance at the property I live at. When I do call this number nobody is aware of any property maintenance crew. 
My fees go up and I seem to never be aware by email, by a postal letter, etc. 

They claim to maintain the property but there is no maintenance crew for this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I regret to inform you of an issue regarding my former account with COMENITY CAPITAL. In XXXX, I experienced significant financial hardship, which unfortunately led to my defaulting on the account. I genuinely apologize for any complications this might have caused. 

By XXXX, however, I had managed to stabilize my financial situation and was able to fully pay off the account through a collection agency. It appears there is still some confusion surrounding the status of this account, and it continues to impact my credit negatively. 

I respectfully request your assistance in resolving this matter and kindly ask you to consider this information in the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Ive submitted several disputes regarding the account XXXX XXXX XXXX, account number XXXX, with XXXX XXXX TRANSUNION XXXX & XXXX XXXX Ive submitted in detail how those late payments violate my rights as a consumer, according the FCRA. Yet, each time a dispute is opened, directly with the credit agencies, it takes them less than 3 days to do an investigation. NOT only that, but the information being reported isnt accurate. They have late payments reported different for each CRA. Attached below. I would like written documentation, PROOF, on how these investigations took place, and were reported updated. These late payments need to be reversed immediately. If no WRITTEN PROOF, on how the investigation took place, and each CRA verified that information, within the next 30 days, these payments need to be reversed. They violate 15 U.S. Code 6802 section ( b ) OPT OUT 15 U.S. Code 1681 ( d ) Consumer Report 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Ive submitted several disputes regarding the account XXXX XXXX XXXX, account number XXXX, with XXXX XXXX XXXX XXXX & EQUIFAX XXXX Ive submitted in detail how those late payments violate my rights as a consumer, according the FCRA. Yet, each time a dispute is opened, directly with the credit agencies, it takes them less than 3 days to do an investigation. NOT only that, but the information being reported isnt accurate. They have late payments reported different for each CRA. Attached below. I would like written documentation, PROOF, on how these investigations took place, and were reported updated. These late payments need to be reversed immediately. If no WRITTEN PROOF, on how the investigation took place, and each CRA verified that information, within the next 30 days, these payments need to be reversed. They violate 15 U.S. Code 6802 section ( b ) OPT OUT 15 U.S. Code 1681 ( d ) Consumer Report 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2023-07-28 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: AL

Complaint narrative:
I am writing to dispute the accuracy of the information on my credit reports provided by XXXX, XXXX, and Equifax. After reviewing the reports, I have identified several inconsistencies that I believe require immediate attention and correction. I kindly request that you investigate and rectify the inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : XXXX XXXX XXXX XXXX : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$12.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Inaccuracies and Potential FCRA Violations : FCRA Section 605 ( a ) ( 2 ) - Reporting Accurate High Credit Amount : The reported " High Credit '' of {$12.00} is inaccurate for an account with a " No. of Months ( terms ) '' of XXXX. This may be a violation of FCRA Section 605 ( a ) ( 2 ), which requires credit reporting agencies to provide accurate information, including the highest amount ever charged to the account. 

FCRA Section 623 ( a ) ( 2 ) - Reporting Accurate Account Status : The account is reported as " Late 120 Days '' by Experian, but there is no information from TransUnion or Equifax regarding the account status. This inconsistency may violate FCRA Section 623 ( a ) ( 2 ), which requires accurate and complete reporting of account status.

FCRA Section 605 ( a ) ( 5 ) - Reporting Accurate Payment History : The reported " Payment Status '' as " Late 120 Days '' is not consistent with the " Date of Last Payment '' reported as " XX/XX/XXXX. '' This discrepancy may be a violation of FCRA Section 605 ( a ) ( 5 ), which mandates accurate and complete reporting of consumers ' payment history. 

I request that you conduct a thorough investigation into these discrepancies and take the necessary actions to remove the inaccuracies from my credit reports. As per the FCRA, please provide me with written confirmation of the corrections made. 

Enclosed with this letter are copies of supporting documents that validate my claims. I trust that XXXX, XXXX, and Equifax will fulfill their obligations under the FCRA to ensure accurate and fair reporting of consumer credit information. 

Thank you for your attention to this matter. I anticipate a swift resolution and the removal of the inaccuracies from my credit reports. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: AL

Complaint narrative:
I am writing to dispute the accuracy of the information on my credit reports provided by XXXX, Experian, and XXXX. After reviewing the reports, I have identified several inconsistencies that I believe require immediate attention and correction. I kindly request that you investigate and rectify the inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : XXXX XXXX XXXX XXXX : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$12.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Inaccuracies and Potential FCRA Violations : FCRA Section 605 ( a ) ( 2 ) - Reporting Accurate High Credit Amount : The reported " High Credit '' of {$12.00} is inaccurate for an account with a " No. of Months ( terms ) '' of 12.

This may be a violation of FCRA Section 605 ( a ) ( 2 ), which requires credit reporting agencies to provide accurate information, including the highest amount ever charged to the account. FCRA Section 623 ( a ) ( 2 ) - Reporting Accurate Account Status : The account is reported as " Late 120 Days '' by Experian, but there is no information from XXXX or XXXX regarding the account status. This inconsistency may violate FCRA Section 623 ( a ) ( 2 ), which requires accurate and complete reporting of account status.

FCRA Section 605 ( a ) ( 5 ) - Reporting Accurate Payment History : The reported " Payment Status '' as " Late 120 Days '' is not consistent with the " Date of Last Payment '' reported as " XXXX  '' This discrepancy may be a violation of FCRA Section 605 ( a ) ( 5 ), which mandates accurate and complete reporting of consumers ' payment history. 

I request that you conduct a thorough investigation into these discrepancies and take the necessary actions to remove the inaccuracies from my credit reports. As per the FCRA, please provide me with written confirmation of the corrections made. 

Enclosed with this letter are copies of supporting documents that validate my claims. I trust that XXXX, Experian, and XXXX will fulfill their obligations under the FCRA to ensure accurate and fair reporting of consumer credit information. 

Thank you for your attention to this matter. I anticipate a swift resolution and the removal of the inaccuracies from my credit reports. 

Sincerely,

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 2023-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: SC

Complaint narrative:
I've had an account with Chime for more 3 years now, in which I have my XXXX check deposited every month. Starting back in XX/XX/XXXX of XXXX I started noticing different things with my account first off they never gave me the XXXX refer bonus they promised, then they have my phone number and a woman named XXXX, under the same phone number attached to my account so that has become a problem with different transactions which I contacted Chime about on many different occasions starting in XXXX of XXXX of this problem to no avail. I also noticed unauthorized transactions coming from XXXX XXXX XXXX XXXX XXXX XXXX, I've had this problem with XXXX through several different accounts now, so I also contacted time to dispute these to dispute these transactions, in which after going through the process several times they denied I even rebutted because they denied ( in less than 24 hours they said they had investigation the problem, ) I have disputed the same transactions with time on about eight different occasions starting at XXXX all the way up until XX/XX/XXXX of XXXX. The problem with XXXX having the same number as as I has cost me money also because when transferring money to another card it paid XXXX instead of me which I also contacted talking about several times disputing this problem and to no avail also. I also have contacted the time because when I signed up for my account I was told that I would have a {$200.00} spot me account where if need be after meeting their requirements which were I was to have a direct deposit every month and stay in good standings with them which I have yet I haven't gotten the perks from what they promised in fact their spot me program also has where friends boost each other {$5.00} a month and I don't even get my spot mes, from other members that send it to me I've also made them aware of these problems this problem to no avail. Several times now I've reached out to time and that associates to have these problems fixed after making sure that I had followed all the rules and regulations and got the federal guidelines yet Chime does not has not done the same I've attached documentation to prove what I'm saying thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: WI

Complaint narrative:
On XX/XX/XXXX, I received reports of multiple hard inquiries on my credit via XXXX XXXX. These inquiries originated from XXXX XXXX XXXX in XXXX TN for a XXXX XXXX XXXX XXXX. I have never lived in Tennessee and was working in Wisconsin at the time of the inquiries and did not approve of these credit inquiries. I believe someone fraudulently used my social security number and personal information to try to get an auto loan. I contacted the companies that prompted the inquiries which included XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX and it appears the loan was not fully processed. I also contacted Equifax, XXXX, and XXXX to freeze the accounts and place fraud alerts. However, Equifax continues to claim that the hard inquiries were legitimate and refuses to remove these inquiries from my credit report. There does not seem to be any other way to contact Equifax to get this concern resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
I have been contacting the company for a signed affidavit for months now that is required to file a police report and no one seems to be helping me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
This is an old account. Over XXXX XXXX XXXX. This should not still show no my credit report.

Company response to consumer: Closed with explanation