vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-21 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.

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 2021-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
on XX/XX/XXXX the company ARS RESOLUTION solutions responded to my cfpb complaint in which i demanded for this company to validate this debt, they responded : We have reviewed our records in this matter, and find the following. Our client, XXXX XXXX XXXX, is a provider of XXXX XXXX XXXX  services at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, FL. The account in question was placed for the collection of an outstanding balance of {$350.00} on XX/XX/XXXX. The charges stem from services that were rendered to the consumer on XX/XX/XXXX. Our initial validation notice, including the right to dispute language, was mailed to the consumer on XX/XX/XXXX. Follow up notices were mailed to the consumer on XX/XX/XXXX and XX/XX/XXXX. Each of these notices was mailed to the consumer at the same address provided in this complaint, and were not forwarded or returned by the postal service.the response of the company is a dispect to my rights as a consumer, the company response as : Our response remains unchanged.by this being stated, ARS RESOLUTION SERVICES has accepted all liabllity by NOT providing with the documents to verify this dent under fdcpa..I NOW WILL BEGAN TO START MY FEDERAL LAW SUIT UNDER MY RIGHTS AS A CONSUMER AND UNDER United States Court of Appeals , Third Circuit. Jennifer CUSHMAN, Appellant, v. TRANS UNION CORPORATION. No.96-1553. Decided : XX/XX/XXXX and IN THE UNITED STATES COURT OF APPEALS FOR THE NINTH CIRCUIT No. 00-15946 TOBY NELSON, Plaintiff-Appellant, v. CHASE MANHATTAN MORTGAGE CORPORATION, et al., Defendant-Appellees. ON APPEAL FROM THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF NEVADA this company has continued to violated my right under fcra & fcdpa1 by not providing me the account number of this debt.2has not provided me with no proper validation documents.3.no account number in regards of this debt.4.by not ceasing and desing this collection like demanded by the consumer.5The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the THIS IS A HIPPA VIOLATION, NO RELEASE FORM HAS BEEN SIGNED BY ME THE CONSUMER UNDER SUBCHAPTER15 U.S. Code 1692g - Validation of debts ( a ) 15 U.S. Code 1692c - 15 U.S. Code 1692e

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MO

Complaint narrative:
We where contacted by a pamphlet in our mortgage statement asking us if we where interested in refinancing on XX/XX/2021. We responded and spoke to XXXX XXXX of Lakeview Loan Serving. We sent him all the info requested. We tried to contact him several times with questions but he NEVER returned our calls. We then spoke to 6 other people who requested the same info. We again sent them the info requested and still no returned calls. We just got more e-mails requesting the same info, utility bills to prove our address like phone bills. We sent them this info AGAIN even by certified mail and XXXX XXXX signed for it. Still NO return calls. We even tried to have the phone company fax them a copy of our statement but they couldn't do it so my wife went to the phone company got a copy of the statement and sent it to them AGAIN. STILL NO PHONE CALLS. Today we received yet another request for utility bills for address proof. We believe they do not want to refinance our home even though we have been making mortgage payments for over 35 years on this home and a previous one and never missed a payment or was late. They have shady and unprofessional business practices and I hope you can do something, Thank You

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 2021-07-21 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: Atlanticus Services Corporation
State: WA

Complaint narrative:
I received a letter from this credit card Fraud Control - saying that they thought there were possible fraudulent activity on the card. A phone # was listed and i was asked to call verify or not the charges. I tried 4 days running to reach someone at the phone # - but it was only a recording that said ' leave your phone number and brief reason for the call and we will get back to you " Two weeks went by and i got no call - Finally I tried again and this time I asked why no one had called me back and she said " we did " and i said I had not received any call! She insisted so I asked for the person who said she had called me. This person said that she had called me - that I had answered as XXXX XXXX and had verified the charges as being mine - I reiterated my two phone numbers which they had on file and I certainly did not recognize the - XXXX XXXX number. I finally received an affidavit form and I sent it back filled out and with a copy of my drivers license as requested - it had to be received within 14 days and i mailed it back on the second day. after I received it Now they say because it was not back within the specified time - their fraud control was hindered and I must pay the charges + late fees - XXXX + late fees - no recourse

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been disputing things with the bureaus for a very long time now and have gotten nowhere. I sent deletion letters and have been saying the late payments are wrong and they have been no help. I need them to remove things from my credit. I attached letters please respond.

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 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have been consistent with child support in the state of XXXX county of XXXX County. I am making weekly payments, however, I am still having child support negatively reporting on my credit report. Every week I am making child support payments. Yet it is not showing positively on 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 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Revolut Technologies Inc.
State: CA

Complaint narrative:
XX/XX/2021 I sent a dispute for a transaction I made ( {$500.00} XX/XX/2021 ). I am disputing this transaction because I have not received the service I paid for. I got a partial refund. 
Since my dispute was sent I have not received any resolution from my bank XXXX. I was told many many time that I should be patient. But after 6 months no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Phoenix financial services suddenly appeared on my credit with a medical debt. I do not recall this debt and they refuse to give me my documentation of where I signed to get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP
State: LA

Complaint narrative:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
THIS IS A FOLLOW UP ON CASE # XXXX I have contact CFPB about this case and Citibanks response was to get the money from XXXX XXXX I was provided a letter from XXXX XXXX ( see attached letter ) stating that XXXX XXXX has returned the funds and seek attached file And its Citibank STILL DID NOT eturn the funds. 
I need Citibank to return all the funds that XXXX has already stated in the letter.

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 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ct XXXX, FL XXXX DOB XX/XX/XXXX SS # XXXX Dated : XX/XX/XXXX RE : Account Number XXXX To Whom It XXXX Concern, On or about XX/XX/XXXX, someone applied for student loan using my personal information from XXXX XXXX XXXX XXXX. I have since requested validation for the loan and so far have received none. XXXX XXXX XXXX, then sold the loan to XXXX XXXX, XXXX, who place the loan amount of {$2500.00} on my credit report. Since XXXX XXXX, XXXX placed the unauthorized debt on my credit file, my credit have fell below 500. I have requested for validation of the loan. I am requesting copies of Identification, Social Security card and Copies of documents with my signatures attached. 
Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Also, a debt collector must also prove they have a legal right to collect the debt. 

This matter needs to get resolve 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 explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX DOB XX/XX/XXXX SS # XXXX Dated : XX/XX/XXXX XXXX : Account Number XXXX To Whom It May Concern, On or about XX/XX/XXXX, someone applied for student loan using my personal information from XXXX XXXX XXXX, XXXX. I have since requested validation for the loan and so far have received none. XXXX XXXX XXXX, then sold the loan to XXXX XXXX, XXXX, who place the loan amount of {$2500.00} on my credit report. Since XXXX XXXX, XXXX placed the unauthorized debt on my credit file, my credit have fell below 500. I have requested for validation of the loan. I am requesting copies of Identification, Social Security card and Copies of documents with my signatures attached. 
Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Also, a debt collector must also prove they have a legal right to collect the debt. 

This matter needs to get resolve immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DOB XX/XX/XXXX SS # XXXX Dated : XX/XX/XXXX XXXX : Account Number XXXX To Whom It May Concern, On or about XX/XX/XXXX, someone applied for student loan using my personal information from XXXX XXXX XXXX, XXXX. I have since requested validation for the loan and so far have received none. XXXX XXXX XXXX, then sold the loan to XXXX XXXX, XXXX, who place the loan amount of {$2500.00} on my credit report. Since XXXX XXXX, XXXX placed the unauthorized debt on my credit file, my credit have fell below 500. I have requested for validation of the loan. I am requesting copies of Identification, Social Security card and Copies of documents with my signatures attached. 
Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Also, a debt collector must also prove they have a legal right to collect the debt. 

This matter needs to get resolve 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 explanation
Consumer complaint received 2021-07-21 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:
To Whom It May Concern XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeApartment complex THESE NAME VARIATIONS DO NOT BELONG TO ME XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I disputed the " late payment '' markings on my credit report multiple times in writing including in a letter dated XX/XX/2021, these are unverified and incorrect. I have contacted Exquifax more than once about this issue and ask that they please removed these " late payments ''. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file

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 2021-07-21 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: OH

Complaint narrative:
Why Does TransUnion Show Omitted Public Record Information on my credit file? What is this? This needs to be removed. I have no public records to have reported. Please ask them why they allow Miscellaneous misinformation on my credit report please? XXXX  doesn't have this neither should any other credit reporting agency.

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