vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: AL

Complaint narrative:
On XX/XX/XXXX my cardiologist hooked an XXXX XXXX XXXX XXXX to me that I had to wear home for XXXX hours then return it by mail to the device owner XXXX XXXX XXXX. XXXX incorrectly billed my XXXX XXXX XXXX ( XXXX ). XXXX eventually paid 100 % of the bill but XXXX then turned it over or sold the debt to Receivable Management partners ( XXXX ). Now XXXX continues to contact, threaten and harass me by phone. Each time I inform them that I have a statement from XXXX informing me of the XXXX balance but they tell me they dont care and despite me telling them to not contact me anymore. The last call from XXXX was today ( XX/XX/XXXX ). I myself and XXXX have both contacted XXXX several times to handle this and nothing seems to get solved. I want to know what action you can take and what actions I can take due to the harassment and threats from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I owe this Ulta Comenity bank {$6.00}, 3 months ago. I missed to pay or overlooked since It was just a small amount. 3 months later it becomes {$60.00}, I made a phone call and paid on the phone and to close my account, the lady on the Comenity said I might still receive a charge from the mail as the last closing cycle. I said thats why I called to make sure I can pay the fulll amount without getting anymore charges. It took down my credit scores by so many points. Now this kind of XXXX is like abuse to consumers. This XXXX  people in so many ways.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I will present the facts, and clarify the nature of the complaint. I currently have a XXXX  Citi XXXX  credit card. I had a charge of {$59.00} that began in XXXX without my knowledge. The scam was committed by a hacker posing as XXXX XXXX. I was charged every month during XXXX totaling {$720.00}. I even changed cards multiple times and Citi XXXX  allowed this Hacker to continue charging my account after new cards were issued. I was charged {$720.00} during the entire year XXXX. Citi XXXX  has given my account a provisional credit of {$360.00} that is in a to be determined status. I am a XXXX XXXX as well as a 100 % XXXXXXXX XXXX XXXX. I never had a relationship with this scam or a trial offer nor did I provide them my credit card information. This {$1400.00} scam is putting a hardship on my wife and myself. There has never been an issue prior to this, so in other words I am not negligent or careless with security of my personal information. I pray for the relief and ask for reconsideration.

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 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a Regions checking account with the inducement of a {$500.00} bonus. I have met all of the conditions of receiving that bonus and have yet to receive it. 

At the time the account was opened, I was sold a " pre-approved '' credit card by Regions. However, I was not told on that day or for most of the following week how much I was " pre-approved '' or approved for. 

Ultimately, I was approved for a small fraction of the amount that other lenders have approved me for. Had I known this ; I would never have allowed a hard credit inquiry on my report nor would I have accepted Regions " pre-approved '' credit card offer. 

On top of that, it took over four weeks to finally receive the credit card. 

Shortly after that, I spotted numerous unauthorized transactions on the account. I contacted the merchant and was advised to contact Regions. After wasting an hour on a chat with a Regions representative, largely because she could not verify my address due to her lack of understanding the XXXX XXXX XXXX in Regions system is an abbreviation for the word XXXX XXXX, '' a dispute was finally entered. 

However, I was not asked for any of the written communication sent to and received from the merchant. Nor was I provided with any written communication from Regions. 

Worse, yet, Regions has refused to provide provisional credits for the unauthorized amounts charged and in today 's chat I asked a different Regions representative if I was expected to pay for these unauthorized charges and her response was " Correct. Of course, this is wholly unacceptable. 

Outside of meeting with a charming teller at Regions when I opened my checking account, dealing with Regions has been a nightmare. 

Not only do I have no faith in receiving a replacement card in a timely manner as the original card took a month to arrive, I have no faith that my credit card will be credited for the unauthorized transactions or that my checking bonus will be credited to my account in a timely fashion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12 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: SC

Complaint narrative:
on XX/XX/23 I applied for a mortgage loan through XXXX XXXX. XXXX XXXX denied me due to Equifax reporting a XXXXXXXX XXXX, attached is adverse action letter. When I reviewed credit reporting score as of XX/XX/23 the score is reflecting XXXX score which was not reported to lender. I am unable to tell the discrepancy between the reports and would like to have corrected reporting score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: FL

Complaint narrative:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: NY

Complaint narrative:
XXXX Account number XXXXXXXX XXXX XXXX XXXX account number XXXX and XXXX  XXXX XXXX  these accounts are fraudulent and do not belong to me. please remove off my credit reports

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 2023-01-12 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: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these accounts are fraudulent and do not belong to me. please remove off my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Upon inspection of my consumer report I found the following inaccuracies. 

Name Address DOB Please see attachment There should be no other name, address or XXXX other than the one listed on the attachment. 

If it's not on the attachment, then remove it from my profile immediately.

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 2023-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Capital Link Management, LLC
State: MO

Complaint narrative:
I received multiple texts messages from different numbers starting with XXXX and each of them stated the following : Hello this is our ( first, second, final, etc ) attempt to locate XXXX XXXX XXXX If we do not hear from you or your legal represenative before the end of business, this will be marked as a direct refusal. Please call XXXX, at XXXX XXXX XXXX XXXX using file number XXXX, Thank you. 

I responded to each text asking who the company was and what it was in reference to but there was never a response given. I called the number and was hung up on before even given the opportunity to give any information. I simply stated that I kept receiving text messages telling me to call the number but I wanted to know what it was in reference to. They did not ask my phone number, name, or any information. They said- we have your number and we will delete it and then after a minute or so they hung up. I could hear talking in the background but nothing else. 
If a company is going to text these types of messages out, they should be required to respond the same, especially if they are demanding a response. No identifying information was ever given and no one ever stated they were a debt collector. When I looked the number up listed in the body of the text and it seems to be linked to Capital Link Management- which is a debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted TransUnion to have them remove multiple inquiries in my credit report. They are unauthorized and I have submitted a police report and every document they have requested with no resolution. My next action will be to include TransUnion in my active fraudulent case for not following section 609 act. The call center supervisor keeps reading a script to me without listening to my actual concern. I would like to be contacted or I will sue TransUnion for keep incorrect ion information up that benefit them and hurt me in the process. I will go public and will speak to all media outlets until this is resolved.

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 2023-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MN

Complaint narrative:
This complaint is regarding Mohela and their lack of response to employment certification for XXXX XXXX XXXX XXXX ( XXXX  ) and my eligibility for forgiveness through the XXXX program. 

On XX/XX/XXXX, I submitted a XXXX  application document through their website with employment verification from my employer, XXXX XXXX. I have confirmed they received the document and it is listed on their website as uploaded and " processed. '' On or around XX/XX/XXXX, I received notice from Mohela that my other uploaded applications certifying employment had been processed and a change in qualifying months was observed. My XXXX application for XXXX XXXX ( submitted on XX/XX/XXXX ) also stated it had been " processed '' ( as did the other applications ) however those months are not counted. On XX/XX/XXXX I submitted the same XXXX  application document that was submitted on XX/XX/XXXX. 

In XX/XX/XXXX I contacted Mohela to inquire the status of my XXXX application, the reported it would take XXXX  months to process but declined to comment on the fact that my initial XXXX  application for my employment with XXXX XXXX was submitted XX/XX/XXXX, which was XXXX months from the date of my call. 

The XXXX application submitted on XX/XX/XXXX ( and resubmitted on XX/XX/XXXX ) will satisfy the remaining XXXX  months of employment certification that will bring me to XXXX qualifying payments which will qualify XXXX of my loans for forgiveness. Loan # XXXX disbursed XX/XX/XXXX = XXXX, Loan # XXXX disbursed XX/XX/XXXX = XXXX, Loan # XXXX disbursed XXXX XXXX and Loan # XXXX disbursed XXXX {$8400.00}. Totaling {$24000.00}.

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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Amount : XXXX  Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : XXXX Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I opened an account with Maurices on XXXX. I made a small purchase. I never received a bill, or an actual credit card. In XXXX, I went to the store and they were able to access my account, and I paid the balance I owed. I completely put the problem out of my mind. I noticed on XXXX that my credit report shows a past due balance of {$100.00} even. I called the credit card company, they said it was their error, and they would remove it from my account immediately. I filed a dispute through XXXX, and they still show I owe the {$100.00} balance. I owe nothing to this company, and it shows a negative mark on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12 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: MA

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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: IN

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : Address. Please update my name to : Name. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: IN

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : Address. Please update my name to : Name. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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