vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: KY

Complaint narrative:
Good morning, I am being charged for a medical debt from my son who has always had XXXX health insurance. I do not understand the reason why this account was not charged to the health insurance at the time and now after a long time I ran into this horrible situation. to communicate first with the medical insurance to pay thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I implore you to promptly update my account as I have consistently made timely payments, and the current situation is causing me a significant amount of 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 2023-08-16 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: FL

Complaint narrative:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
On XXXX of XXXX  I set up automatic payments to XXXX XXXX  from XXXX XXXX. 
On XX/XX/2023 the automatic payment went out on XX/XX/XXXX per my payment process. 
XXXX Mortgage reported the payment was received on XX/XX/2023. Which is one day past their deadline. 
On XX/XX/XXXX I was notified through my monitoring that XXXX XXXX  has flagged me as being 30 days delinquent on the account. 
After speaking with a representative of XXXX XXXX, I proved to them I had the documentation and that I paid it on time. 
I plead my case that there was some error with the bank, or them receiving it, I was informed since it wasn't an error specifically on XXXX XXXX, they wouldn't be able to update my credit report. 
I am only asking for a one-day adjustment.

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 2023-08-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
2nd request to respond as first complaint had a pdf response that was unable to be viewed or downloaded. 

Fay Servicing is the most incompetent mortgage servicer out there. They have bought insurances on my behalf even after sending proof of coverage on numerous occasions. They have bought coverages that are not required in the state of NJ such as wind coverage therefore throwing off my escrow balances. After I called numerous times to resolve this they finally admitted wind coverage was a mistake on their end. With the addition of wind coverage this took my monthly payment from {$3500.00} to {$4500.00} per month. Even after I called and this was removed from my loan and on XX/XX/2023 they secured {$4500.00} payment instead of the {$3500.00}. Called in and spoke to a rep who said they cant do anything and to wait until XX/XX/XXXX until the original payment goes into effect. This isnt the only issue Ive had with Fay Servicing in the past. I have been told I am able to remove escrow services from my loan from a few reps then when requesting this to the servicer via email they refused and deny this. They should not be handling anyones escrow as they are making mistakes and costing me money as well as time to get this resolved because of their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: NY

Complaint narrative:
My name is 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 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 2023-08-16 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: UT

Complaint narrative:
all I need is the inquiries deleted. check letter thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I filed a dispute of unauthorized transactions for XXXX. The rep only put in for transactions totaling {$530.00} claim number XXXX, That claim was denied. Another claim was put in for the same company XXXX claim number XXXX, I called Capital One and was told it was denied. Due to showing other transactions from XXXX I said I need to dispute all transactions the rep then put in for the ones there were not in but still left out the {$530.00}. I called capital one many times and they stated they could not refill for those. I have already made a complaint with CFPB XXXX I have left XXXX many messages and no call back. The 2 nd claim was closed and in my favor. They are leaving out the 1 st claim. This is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: GA

Complaint narrative:
Compass property management is trying to collect funds that are not due to them. They are saying we owe {$2500.00}. Lease was up on XX/XX/2019. We moved out XX/XX/XXXX. We discussed per leasing consultant XXXX or whomever that we can do the day by day fee bc our other home wasnt ready until the XXXX. That amount was divided by the days in the month and the full amount of rent. He stated we would owe {$290.00}. I can provide the new lease starting on the XXXX. I dont understand where that amount is coming from with the rent only being {$1200.00}. And we paid the last month there ( XXXX ). I am aware that we owe {$290.00}. But we do not owe {$2500.00}. They need to provide the conversation after I told this to the rep who called about us moving. Let her know what the XXXX said. There were no further correspondences because it was established that we owe {$290.00}. When we left I was 7 months pregnant. Bending over bath tubs and mopping floors to get our deposit back that we NEVER received. That money just vanished as well. I dont appreciate them waiting XXXX yrs to try and throw it on my credit nor do I appreciate them hiking up the fee. Thats fraudulent and I noticed in ga, these homes get the benefit of the doubt Vs the tenants. Please investigate more into this because at this point it is fraud. We do not owe the amount they are claiming. And due to waiting so long its hard to provide emails/ pictures from so long ago. But Ill try to recover whatever you need to get this resolved! We NEVER received our deposit either.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have been harassed by phone for months by XXXX XXXX XXXX, who I think was previously harassing me under a different company name. Multiple phone calls per day, seven days a week -- two today already ( XX/XX/23 ). They state I owe {$970.00} to a company called Check N Go. I never received money from this company, I've never even heard of it. I called them today and requested their address, and also then to speak to a manager after they refused to give me any co. information. They refused to put me through to a manager. 

This happened to me a few times with different companies in the last few years, one of them more recently I believe being whoever XXXX was prior to being called XXXX, as the same male with a southern accent left the same messages under a different company name previously ( shut down their scam shop and opened under a new name? ) I am being harassed for money I never took from a co. I never heard of. This is disgusting, predatory behavior by this " debt collector ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: SERVISFIRST BANCSHARES, INC.
State: AL

Complaint narrative:
According to the FDCPA, I am a consumer as defined under 15 USC 1692a ( 3 ) The term " consumer '' means any natural person obligated or allegedly obligated to pay any debt.

Im allegedly obligated, not obligated.

You can be either and since the law states The United States is obligated to pay debt, not a consumer according to uniform code 18 usc 8 company is being intentionally negligent by furnishing such information to my consumer report! Company is reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: NC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-08-16 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-08-16 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, I tried to use a Chase credit card Ink Business unlimited that i carry around in my XXXX because at the time ( earlier this spring ) it showed a valid expiration date of XX/XX/23, but was informed that the account was closed by chase. They never told me this, but my complaint is that they did this closing without telling me so that they could take my rewards points. I signed up for this card to get the rewards points and as the paper work said- they are mine to redeem at any time. So i called them and received no help other than claims that the records are purged. There is probably a government mandate that those records are saved for a certain period of time, and I think they just routinely steal from their customers by engaging in this criminal activity because they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I will take further actions if these were not solved as soon as possible.

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 2023-08-16 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:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from 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 2023-08-16 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX noticed on our credit report a Convergent Outsourcing on behalf of XXXX XXXX past due outstanding payment of {$1400.00}. for equipment. XXXXwe moved into a community that has XXXX internet and cable services, previously we were with XXXX all our services for 21 years. XXXXI contacted Convergent regarding this collection and told it was for unreturned moblie equipment. We never received any mobile phone equipment from XXXX. XX/XX/XXXX they offered us phone service but declined because they changed our 3 phone numbers. XXXX I deactivated the 3 accounts and was given a credit for charges they added to our bundled acct. in the amt. of {$100.00} ( doc. attached ). Speaking with XXXX agent, he told me collection notices were sent to an address in XXXX, ID, which we have never lived/resided in that state. We have never recieved or accepted any XXXX XXXX equipment nor recieved any notices at our courrent address or aware of any outstanding balances owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
My complaint is with Mariner Finance. I have REPEATEDLY asked the local branch not to call my work number and leave voicemails because I am not the only person that has access to that voicemail. They have repeatedly ignored my request. They called this morning at XXXX and left a voicemail. My Sales Manager got the message and sent me an email. I do not want my co-workers knowing my financial business, but now they do and I am very mad! Them calling my work is against the law, especially when I have asked them not to. 
I am 1 month behind on my payment due to a financial hardship, and I have tried to get them to help me, and they refused. I told them that I could not longer make the high interest payments and pay the enormous fees but I do want to repay the principle amount that I borrowered from them. I have asked them to eliminate the enormous fees and interest from the account and to just let me make payments on, or even pay off the principle. They will not negotiate on any of the terms. They will only agree to roll the pastdue amount to the end of the loan AND ADD MORE FEES! They constantly harass me with calls and calls to my work. They have intentionaly violated my privacy! 

Last year my self employed XXXX got XXXX. I have been trying to help them, plus keep all of my bills paid. They have a new baby due in two months. It has been very hard and I am doing the best that I can. Other creditors were understanding and was willing to negotiate the terms of my debts. Mariner would not! 

Please tell me that they is something you can do about this situation. I told them today to cease and decease on any calls to me. These companies should not be able to get away with the type of collection efforts they use. 

I have attached two screen shots showing evidence of them calling my work number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect 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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have went over my credit report and there is a account from XXXX XXXX that I do not recognize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: NJ

Complaint narrative:
I have went over my credit report and there is a account from XXXX XXXX that I do not recognize

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