vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 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: LA

Complaint narrative:
I am writing to file a complaint regarding a medical collection for {$350.00} from a collection agency called XXXX XXXX XXXX with account number XXXX I believe this collection agency has violated the HIPAA law, and I am also aware that a new law has passed in 2023 stating that medical collections under {$500.00} can not be reported to credit reports anymore.

Despite the fact that my medical debt was under {$500.00}, I have been receiving harassing phone calls and letters from XXXX XXXX XXXX, demanding payment for the outstanding balance. Additionally, I have noticed that this collection agency has reported this debt to my credit report, which has negatively impacted my credit score.

As per the HIPAA law, medical information is considered private and confidential. However, XXXX XXXXXXXX XXXX has disclosed my medical debt to third parties without my consent. This is a clear violation of the HIPAA law and has caused me significant distress and inconvenience. 

Furthermore, the new law that has passed in 2023 clearly states that medical collections under {$500.00} can not be reported to credit reports anymore. Despite this, XXXX XXXX XXXXXXXX has reported my debt, which is unfair and unjustified. 

I kindly request that you investigate this matter and take appropriate action against XXXX XXXX XXXX. I also request that my credit report be updated accordingly to reflect the new law that prohibits the reporting of medical collections under {$500.00}

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 2023-03-17 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: GA

Complaint narrative:
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have contacted XXXX XXXX, XXXX, Equifax, XXXX, and XXXX and they refuse to remove the invalid bankruptcy on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have contacted XXXX XXXX, XXXX, XXXX, XXXX, and Experian and they refuse to remove the invalid bankruptcy on my 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 2023-03-17 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: Capio Partners, LLC
State: CA

Complaint narrative:
I got XXXX in XX/XX/XXXX while I was out of state, I had insurance but I guess it did not cover the whole hospital bill, I was told I would not be responsible for any medical debt due to the pandemic, and I don't feel I am responsible to pay this huge medical balance that is shown on my credit report. I became homeless and was stuck out of state for 3 months until I was well enough to make it home, once back to my state i had lost my home and hadn't worked. it was a very stressful time of my life, I didn't ask to get this worldwide pandemic and i am not sure why this is on my credit, i filed bankruptcy back in XXXX and now this is another thing I don't need to deal with. i can barely make ends meet now, i am living alone and have barely make enough money to cover living expenses since they have doubled since the pandemic started. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there should be some government money to help with this type of situation. I don't feel this should be an impact on my credit reports after all we have to deal with after having XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Compass Recovery Group, LLC
State: VA

Complaint narrative:
Compass Group called my father on his cell phone on XX/XX/2023. XXXX was her name and she said she was trying to file a garnishment for my wages and needed my phone number and address. My father did not give them my information, as it is public knowledge. The phone number she gave as a call back number is XXXX. I have not received anything by mail from Compass Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
i reached out to the mortgage company Penny MAC about a reassessment of the value of my house to have the PMI removed. They told me I had to make a payment for for the reassessment. I went only and changed my pending payment to be sooner and to add the additional amount to this payment. Which was made on XX/XX/XXXX and processed on XX/XX/XXXX. They still charged me on XX/XX/XXXX for my payment that was already paid on XX/XX/XXXX. this caused my account to be over drawn and many fees to get this straightened out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to dispute the accuracy of the following item ( s ) on my credit report. The information in question is as follows : Creditor Name XXXX XXXX XXXX Account Number : XXXX Under the provisions of the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I have reviewed my credit report and have found that this account is inaccurately reported on my credit report. I have no knowledge of this account and do not have any record of it belonging to me. Therefore, I request that you remove this account from my credit report as soon as possible. 

As per the FCRA, you are required to investigate my dispute within 30 days of receiving it and provide me with the results of your investigation. If you find that the information is inaccurate, incomplete, or can not be verified, you must remove it from my credit report. Additionally, I request that you provide me with a free copy of my credit report after the investigation is complete, as my credit report should be updated to reflect the removal of this account. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was charged by XXXX XXXX for {$200.00} on XX/XX/23. My cycle, per conversation I had with XXXX and XXXX on XX/XX/23, ends on XX/XX/XXXX. XXXX XXXX said Capital One didn't report a balance to credit bureau because there was no bill due. Transaction occurred after the cycle date. There was no statement produced. He then stated that the credit bureau agencies are the ones that posted that info. When I told him that the credit bureau can not post something without the agency informing them of the balance he then placed me on hold and came back and stated that capital one did not post anything to the credit bureau and that the credit bureau was wrong I requested 3 times for it to be updated to the credit bureau showing the balance to be XXXX. The balance was reported prematurely I paid the balance off on the XXXX. 
I requested a supervisor after he told me that it was out of his hands and there was nothing that he could do to have it updated that my balance was XXXX. When I spoke with XXXX who was The alleged supervisor he informed me of the same thing. That there was no statement due at the time that the transaction posted and that capital one never posted the amount for the {$200.00}. And that the credit rules were incorrect in posting that because the balance should oppose it as XXXX which is what capital 1 was posting for XXXX. However he places me on hold returns back to the call and then informs me that capital 1 posted the amount for the {$200.00} because that was the Amount on the date in which they posted. After repeatedly telling me they didn't post the transaction. He then stated that capital one reports all high balances. This is the discrepancy because I have another credit card with capital one with a {$1000.00} balance I have maxed out and paid off within the same month turned around paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: SC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
My father passed away in XXXX. He left the house to me, the only heir and beneficiary of the estate and the representative of the estate. We transfered the deed/title into our name immediately. 

We contacted Wells Fargo with all the information and waited. We informed them my dad passed and we were aware he was overdue on a home equity loan by XXXX. We had XXXX on hand and wanted to work to pay the other XXXX within 13 months. My dad had XXXX and that's why he was behind on the loan before he passed. They never offered my dad any assistance for having XXXX XXXX XXXXXXXX XXXXXXXX. They say XXXX of the money is past due taxes which my father believed to be a lie. He only owed 4 years of past due taxes at XXXX per year. 

Over a period of months they kept requesting more documents, wasting our time until finally telling us that they could NOT even speak to us because my dad 's ex wife from 20 years ago was on the promissory note. I informed them that she was removed from the deed ages ago and that we are now the homeowners, meaning we have interest in the property. I sent them the new deed with my name on it. I sent them the probate paperwork showing my dad left the house to me. I showed them the divorce decree showing that his ex wife gave up the house in the divorce. I told them that we have no idea if XXXX is even in the country, alive or dead and have no way to contact her. 

They responded by saying none of that mattered. That they may not accept any payments made by us, they will not work with us and that they intend to forclosure on our home and there's nothing we can do about it with them. They made it sound like they dont want our money that they just want to profit from the forclosure. And they said they're protecting my dad 's ex wife by not allowing us to pay. If we worked out a deal with them it could do NOTHING but HELP my dad 's ex wife as she has no ownership of the property and no interest in it. The harm they have done is take our primary residence over XXXX because they can. They may be lying about the XXXX in back taxes and prevented us as the actual home owners from looking into it. It's criminal. Please help is. We live here and have XXXX children here and this house is all my dad had to pass down to his family. This is malicious in my opinion they have the discretion to work with us.

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 2023-03-17 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: SLM CORPORATION
State: DC

Complaint narrative:
My Name is XXXX XXXX XXXX. My daughter XXXX XXXX XXXX Has applied for XXXX student loans for the XXXX XXXX XXXX XXXX  XXXX Semesters at The XXXX XXXX XXXX XXXX in New York, NY. 

The first loan is at a Variable Rate, and the second is at a fixed rate. ( We had a request for a 0 % interest ). I have been paying for the first loan to avoid tarnishing my credit. 

I have visited the US Department of Education to present this misleading information and signing of a loan for a student loan at a Variable rate. I have called several times to fix this matter, with no resolution, and was told : " We are the faulty party. '' 1- Why would we sign up for a variable interest rate when we want a 0 % interest? 

XXXX XXXX is a XXXX ; she has another XXXX years of school ahead, 3-Why is one loan set with a fixed rate, and can she pay for it once she has graduated? 

4-I expect the refund for the money paid to Sallie Mae effective immediately, with penalties for forgery.

5- Both loans are to be transferred to the following institution with integrity XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN. XXXX 6-Copy of all these documents have been sent to US Department of Education Office for Civil Rights XXXX XXXX XXXX Department of Education Bldg XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX NO action From This Department ) American Banker Association XXXX  Office of the President of the United States of America. 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
To whom it may concern Even though my loan was paid off concerning my payments made through my finiancial institution I made all my payments on time according to each billing cycle. The payments was stated sent to the wrong department which incurred a late payment on my auto payment that between the finiancial institution billing department was lazy and not willing to transfer the payment to my account submitted. XX/XX/XXXX and past monthly installments from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: GA

Complaint narrative:
See the files that are attached. WHAT COULD BE A FAIRANSWER TO THIS PROBLEM?

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 2023-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
My lender ( Mr Cooper ) failed to provide payment to my condo insurance policy back in the XXXX half of XXXX. This resulted in my being dropped & having to find another insurance company, put my escrow into the negative, and raised my monthly payments to Mr Cooper ( over $ XXXX ). I was told by Mr Cooper to pay this new amount until they could do an offsite analysis and return my account back to before the incident. After months of calls, emails and promises to " figure things out '' by Mr Cooper, I'm still waiting and over-paying. 

At the end of XXXX, I received a new bill reflecting an even greater monthly payment and substantial negative escrow balance ( over {$1000.00} ). After months begging Mr Cooper to get things back to normal, I made an additional {$1000.00} payment on XX/XX/XXXX to be paid to XXXX to abate further problems. They applied that money to Principal instead. It took weeks to resolve their misapplication of my payment. And I'm still in the negative. 

I keep getting told by the many Mr Cooper representatives trying to " figure things out '' that they are on my team and trying to resolve this. But their mistake continues to coast me money. 

Mr Cooper explains it ran another, early offsite XXXX, re-evaluated my property taxes ( this is supposed to be done in XXXX, not now ), and my new monthly payment is {$1300.00}. If not for their first mistake ( not making my insurance payment ) I would not be paying this new amount until XXXX when Mr Cooper runs its annual analysis. Additionally, if the analysis brought my payment to {$1300.00}, then I have been made to overpay this new amount for the past several months and someone owes me a reimbursement of that over-payment. 

None of this is resolved. only " escalated '', then silence until another bill is due. I have come to learn that this is a common occurrence. It needs looking into. My money is being stolen/ extorted from me by Mr. Cooper XXXX I could use some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion has 13 inquiries on my credit report. I have written a letter and no response. It has been well over 90 days. The following are the inquiries and dates : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-17 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
The late payment on my credit report is inaccurate. I was late due to the covid 19 pandemic .in which i lost my 2 jobs and i was unable to make payment in time.in which i ask for some extension.so asking you to ask them to remove from my credit report base on the law article of covid 19 pandemic. The CARES Act, which was signed into law on XX/XX/2020, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) But if you make an agreement for payment relief before you fall behind, the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act requires that creditor to report your account as current on your credit reports Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) Specifically, the creditor has to continue to report your debt as current if you're up to date on the debt when the creditor agrees to : let you defer one or more payments let you make a partial payment forbear any delinquent amounts modify a loan or contract, or give you any other assistance or relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the following item ( s ) on my credit report. The information in question is as follows : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Under the provisions of the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I have reviewed my credit report and have found that this account is inaccurately reported on my credit report. I have no knowledge of this account and do not have any record of it belonging to me. Therefore, I request that you remove this account from my credit report as soon as possible. 

As per the FCRA, you are required to investigate my dispute within 30 days of receiving it and provide me with the results of your investigation. If you find that the information is inaccurate, incomplete, or can not be verified, you must remove it from my credit report. Additionally, I request that you provide me with a free copy of my credit report after the investigation is complete, as my credit report should be updated to reflect the removal of this account. 

Thank you for your attention to this matter. 

Sincerely, 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