vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OPTUM BANK, INC.
State: FL

Complaint narrative:
Subject : Urgent Resolution Required : Discrepancies in Billing and Charges Dear OPTUM I hope this message finds you well. I am writing to address several unresolved issues regarding my recent billing from Optum XXXX XXXX 
On XX/XX/2024, I visited my primary medical provider and paid the {$25.00} deductible using my XXXX credit card. The transaction was processed on XX/XX/2024, with reference number XXXX. Despite this payment, I have continued to receive bills for the same visit. 
I have been in contact with XXXX XXXX XXXX XXXX, to whom I have sent multiple emails with attachments clarifying this payment. However, as of XX/XX/2024, I have not received a detailed explanation regarding these charges. 
My primary concerns are as follows : 1. Unjustified Charges : There is an additional charge for " Brief Emotional/Behavior '' amounting to {$7.00} that I did not receive nor was it discussed during my visit. I was informed by XXXX XXXX 's office staff that this charge should not be included in my bill. 
2. Non-Acceptance of Credit Card Payment Proof : Despite providing proof of payment via my credit card statement, which clearly shows the {$25.00} payment covering my deductible, the company has not acknowledged this evidence. 
3. Threatening Communications : I am receiving intimidating notices labeled as " FINAL NOTICE STATEMENT '' without any detailed explanation or justification of these charges. 
I respectfully request the following actions : A thorough review and correction of my bill, removing any unjustified charges. 
Acknowledgment of my credit card payment and adjustment of my account accordingly. 
An end to the threatening communications and a proper resolution to these billing discrepancies. 
Attached, please find copies of the relevant bills, correspondence, and proof of payment for your review. I am under considerable stress due to these issues and would appreciate your prompt attention to resolve this matter. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I am the original borrower on a XXXX  mortgage which is managed by Freedom Mortgage. Last XX/XX/XXXX, my XXXX was finalized and the judge awarded me the home which is clearly stated in the divorce decree. In XXXX, XXXX a Quit Claim deed was filed and approved XXXX XXXX. After the Quit Claim deed and divorce decree were submitted to Freedom mortgage they refused to honor the court order and said that the only way to remove the co-borrower is through a refinance. After months of calling Freedom mortgage it was finally suggested that I file an assumption to remove my ex-wife from the loan. I submitted an assumption with Freedom Mortgage and it was approved and processed on XX/XX/XXXX by Freedom Mortgage. I was not aware and had never been informed by Freedom Mortgage that after filing an assumption my account would be deleted and I would no longer have online access to my loan. I have contacted Freedom Mortgage multiple times to have my account re-instated but have been told that the only way that I can manage my account is over the phone or by receiving documents through the mail. They have said that this is to protect the borrower from the co-borrower which doesn't make any sense because legally the co-borrower has been removed from the property through the Quit Claim deed filed in XXXX XXXX, tax assessor, and assumption filed with the mortgage lender. I am the original borrower on the XXXX loan and am being told that I no longer have online access to my account because we filed an assumption. There is no reason why Freedom mortgage can not create a new online account for me to continue to manage my loan if the co-borrower has legally been removed from the account. Freedom Mortgage also said that the only way for me to fix this would be to re-finance the loan which is absurd considering that the interest rates are now more then double almost triple what my interest rate is currently. Freedom Mortgage told me that this is a known issue but they will not change their policy or make any effort to fix it. So in summary any individual that files an assumption with Freedom Mortgage loses all online privileges to their account.

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 2024-09-17 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Company is harassing me to make payments which I understand, but I am over the age of XXXX and they have contacted my father who I am not in touch with regarding my personal information and the debt that I owe, which is against the law. They called him on XX/XX/scrub>XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-17 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
These inquiries are unrelated to me, and I have no ties with the creditors listed.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There was a XXXX XXXX credit card that showed up on my credit report that says I am an authorized user but I have no information or idea about that account. I disputed this with XXXX in XX/XX/XXXX and never heard anything about it again until it should up on a credit reporting for XXXX XXXX  when trying to buy a new house. I have filed a dispute with Equifax as well and still waiting to hear back as of last Thursday, XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: P&B Capital Group, LLC
State: FL

Complaint narrative:
on XX/XX/XXXX P & B Capital texted me I requested them to stop on XX/XX/XXXX P & B Capital texted me again but from a different phone number I requested them to stop on XX/XX/XXXX P & B Capital texted me again from a different phone number I asked them stop on XX/XX/XXXX P & B Capital texted me yet again from a different phone number Also in XXXX I spoke with a gentleman with P & B Capital group we discussed the account I explained my situation that was currently going on, the gentleman got very belittling, condensing told me I needed to grow take responsibility for my debt and make a payment in the amount of his choosing or I would be sued and the judge will garnish my wages, and then I can tell my XXXX story to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My frustration has brought me here, because in the past XXXX months I have tried to reach out to your company and nothing has been resolved about the inaccuracies in my report. It is negatively affecting me and my financial state.

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 2024-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
My servicer was XXXX. In 2008, during the financial meltdown, I asked for assistance from XXXX  to either lower my payment or use a forbearance, they instead put me in a deferment that accrued interest. I now see that XXXX  is paying a penalty and reimbursing for their illegal dealings. My student loan was originally {$73000.00}, I paid payments of $ XXXX. My current balance is {$110000.00}. If I had been put in forbearance, this interest would not have accrued. My loan has been transferred to Aidvantage and I am currently in an income driven plan with XXXX payment. I have tried to get this loan forgiven, I am XXXX and live on social security of {$1500.00} per month. I was horribly taken advantage of by XXXX. I now see that XXXX  is obligated to reimburse the people they cheated, and I want to know if this loan is in that group. The last XXXX  class action lawsuit, I didnt get included because they said I didnt make a claim. How do I ensure I get included in this go around.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Our checking account was debited fortunately in XXXX on and around XX/XX/XXXX totaling {$3000.00}. The charges were in XXXX at a XXXX XXXX. My son who uses that accent was in XXXX with the Atm card and his phone.He was without internet service much of that time and did not get notifications. I filed a complaint with Truist bank, and they stated that the device was present, which was impossible. I made two appeals with the same result.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear CRA XXXX TransUnion LLC, I disagree with the accounts listed below which still appear on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. 

You are reporting inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline item is inaccurate because the following accounts report inaccurate information. 

Account Name : XXXX  XXXX Account Number : XXXX Account Number : XXXX  XXXX XXXX XXXX BANK Account Number : XXXX Account Number : XXXX XXXX - XXXX Account Number : 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 2024-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express has failed to prove I owe the alleged debt and has been harassing me with repeated calls, which have caused me emotional and financial distress, violating the Fair Debt Collection Practices Act ( FDCPA ) and Wash. Rev. Code 19.16.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
These inquiries are unrelated to me, and I have no ties with the creditors listed.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Consumer Name : ( XXXX  Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-17 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Revco Management, LLC
State: CO

Complaint narrative:
{$90.00} REVCO SOLUTIONS XXXX is reporting fraud calms to my credit profile, never signed or ever done business with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: AL

Complaint narrative:
XXXX, XXXX, and XXXX, and XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well. For example see attached to see that XXXX is reporting me as XXXX  days late in XX/XX/year>, XXXX is reporting me as XXXX  days late in XX/XX/year>, and XXXX is reporting me as XXXX  days delinquent in XXXX and XXXX  days delinquent in XXXX. Please remove this from my credit immediately or I will be requesting {$1000.00} for each violation. I have disputed this account several times and this still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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