vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
There is an item on my credit report under Financial Credit Network showing a date opened of XX/XX/XXXX with a balance of {$230.00}. 

I have previously disputed this item with the 3 major credit bureaus, XXXX, XXXX, and XXXX, and also contacted Financial Credit Network directly to request more documentation regarding this unrecognized debt.

I received a response from Financial Credit Network dated XX/XX/XXXX showing a total balance of {$310.00} which does not match the amount on my credit report. I am not sure how this collection agency came to the conclusion that this is the amount owed and where these additional fees are coming from. 

It also appears that the California License Number application is pending for Financial Credit Network. I have done some research and according to the Department of Financial Protection and Innovation, The Debt Collection Licensing Act requires debt collectors and buyers to apply for a DFPI license by XXXX XXXX, XXXX. Debt collectors and buyers who apply for a license after that date will be required to wait for the issuance of a license before they can operate in California.

If their application is pending, this means they should wait for the issuance of a license before they can operate.

Also, I noticed in the response from Financial Credit Network, they stated the following : " The letter/documentation may contain protected health care information. If you are not the intended recipient, please notify our office and destroy immediately ''.

From my understanding, the U.S. Department of Health & Human Services has more information about Covered Entities and Business Associates and clearly states that a written contract between a covered entity and a business associate must require the business associate to implement appropriate safeguards to prevent unauthorized use or disclosure of the information.

It appears that Financial Credit Network does not have appropriate procedures in place to prevent the unauthorized use or disclosure of Protected Health Information, which would void the Business Associate Agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
At One Time I had XXXX Amex Cards, XXXX for my personal use and XXXX for Business, we had a dispute on the XXXX XXXX and Amex denied a charge from a Vendor that we later had to pay a 30 percent collection fee to Legal Counsel to recover the fund that Amex Should have reversed, they then shut the card off along with my personal card. I paid the business card off and paid monthly for the past couple of years on the Personal Account, they keep calling me when after XXXX written notifications to stop calling they did in clear violation of the law. I also attempted multiple times just to set up ACH with the Company but they keep refusing to do so, I pay off of paper invoices, so when a statement comes in, it is given to my accounting folks to pay online, since again we could not set up ACH, I just got XXXX 's statement in the mail, when I was alerted by XXXX on I logged into Amex portal and made the XXXX and XXXX payment online which would bring the balance to {$2400.00} which I then was told when I called into Amex the account had been assigned to XXXX XXXX  XXXX, I asked the man at Amex that they need to remove the late since they failed to give me the ability to ACH payments and I had not gotten a statement he agreed to it on a recorded line as of today it's still showing and has lowered my credit score by XXXX points and XXXX of my credit cards have now reduced my amounts of boring causing even more hardship in the matter. I then called the Zwicker firm, which they told me they could not discuss it, I then got a letter from them stating that they were trying to collect {$2600.00} and again the wrong amount, I will be disputing this with them today and advising them CFPB is involved in the matter and that the matter is in FULL dispute. I also have now been getting calls from other law firms it seems that AMEX and this XXXX firm has a track record of not being ethical and following the law which is very apparent in this matter. 
Also it was brought to my attention that I have been paying fees for " purchases '' even thought the card was shut down and " no purchases '' could be made, I have learned a lot of the tatic 's from the Lawyers that keep calling, to represent me in the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX I applied for a " construction to permanent '' mortgage at Regions Bank through XXXX XXXX ( XXXX XXXX ). I was seeking this loan to finance a home build for my family. I applied via a hyperlink provided by XXXX XXXX, and submitted my SSN/other personal identifying information to begin the process. This resulted in my credit being pulled by Regions Bank that day ( XX/XX/XXXX ). 

On XX/XX/XXXX I supplied XXXX XXXX a signed builder 's contract and house plans, hoping to continue the application process where I would eventually receive an official 3-page Loan Estimate. This official Loan Estimate is required so I may properly compare Regions ' mortgage offer with similar lenders. My home builder ( XXXX XXXX ) then supplied XXXX XXXX with all required forms so they might be added to Regions Bank " approved list of builders ''. 

On XX/XX/XXXX XXXX XXXX at this point asked me to fully " commit '' to the bank before moving my application forward. As I had not yet received an official Loan Estimate, I was not comfortable " committing '' to the bank at that time. I informed XXXX XXXX that I was committed to continuing the application process, but I reserve the right to back out at any time prior to closing. XXXX XXXX then replied that he refuses to proceed with the application because I was considering other lenders aside from himself & I would not " commit '' to Regions Bank. 

As of XX/XX/XXXX XXXX my credit was pulled a week ago and all requested documents to XXXX XXXX were submitted, yet he still refused to move my application forward. This is prohibiting me from receiving the official, 3-page loan estimate that I'm entitled to via the Real Estate Settlement Procedures Act ( RESPA ) and the Truth in Lending Act ( TILA ).

Being required to fully " commit '' to a bank before receiving this document is not only unethical, but violates my lawful rights. I politely ask that the Consumer Financial Protection Bureau look into this event to ensure it happens to no one else.

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 2022-04-13 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: VA

Complaint narrative:
After reviewing my credit report i noticed a ton of errors with incorrect and false information. Also please note that I checked the source and my data was affected by the Equifax data breach as well as the XXXX XXXX data breach. Which is extremely unfortunate for me. Those breach 's have caused false account attempts ( inquires ) false addresses and even as far as accounts that do not belong to me that were open. On XXXX i sent a letter out to the said consumer reporting agency Equifax and as of todays dates XXXX i have not received a response from them. in my letter i did inform them of the false and negative information and how with my credit report not reporting XXXX percent correct as it is supposed to that they have violated me as a consumer which also means that the consumer reporting agency has civil liability for willful non compliance. i understand that it is the CFPB place to govern them. Please get on Equifax with doing the duty of completing the investigation within the allotted time of 30 days. I am also aware that if a investigation has not been completed in the allotted time then the items must be removed from the consumers credit report. 
the item by XXXX XXXX XXXX, that is not even mine not only is it not mine but it is reporting as an open collection, which a collection account can not be open, also again i have never did business with this said company of XXXX XXXX XXXX  the, account information is inaccurate and not reporting XXXX percent correct. there is not even an account number and please do not respond to say that is for the person or the consumer safety because nowhere in the book or law does it state that is to be what it states is to have the full information of an account, report it XXXX correct. 
another collection item is listed on my credit report as Medical, that doesn't belong to me, I have never did business with said company and of my knowledge medical collections are a violation and can not report on a consumers or credit report this account is clearly stating boldly that it is a medical item and that it is a collection item ; also there are 3 other items on my credit report one with XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX that are reporting incorrect payments amounts, payment status which is a billing error, payments were paid as agreed on time which is a billing error violation with inaccurate reporting information. 
I have attached the letter that i have sent to them along with my drivers license to prove who i am as well as a statement to verify me at my address. and Per my usps search the documents have been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian was sent documentation concerning a number of fraudulent accounts, credit inquiries and former addresses. This documentation was also sent to a number of creditors. Somehow, the current address was removed from the report. Experian requested additional proof of identity and the same was provided in the form of a drivers license, social security card, and a utility bill. To date, Experian has failed to add back the current address. In fact, the report- under identification number XXXX- has not a single address in which to identify me or deliver a 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 2022-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: GA

Complaint narrative:
I.Q. Data International , Inc. 
XXXX XXXX XXXX XXXX, WA XXXX I received my certified letter requesting validation of the following accounts : RE : XXXX ( account number ) They are attempting to collect on these accounts. Although, they never responded. Under the Finance Code for my state, the debt collection agency has thirty ( 30 ) calendar days to respond to a debt validation request. All debt collectors operating in this state must be able to verify, or " validate, '' any debt on which they are attempting to collect payment. Georgia Finance Code Section 392.202 requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance XXXX XXXX information If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. As such, all collection efforts on the debt must cease and any derogatory listing should be permanently removed from any consumer credit reports. 



As of XXXX XXXX, I still have not heard from them. Under state and federal law I could sue them and ask for thousands. However, I would like to make every effort to resolve this matter amicably without presenting this case in court before a jury in my community. 

I've have sent 2 letter for debt of validation on XX/XX/2022 and XX/XX/2022 and still haven't received anything regarding to that account. 


If they delete the account and cease reporting to the bureaus, I will consider this matter resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am XXXX XXXX and Im submitting this complaint myself and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, checked my email today on XX/XX/XXXX at XXXX XXXX  central standard time and discovered that TRANSUNION at XXXX XXXX XXXX in XXXX, PA placed a fraud alert on my credit report without my consent.

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 2022-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: MN

Complaint narrative:
The written notification of the debt from Online Information Services says that you can dispute this debt electronically at www.online is.com. When I went to dispute that debt electronically and filled out their form, it repeatedly said there was an error and to call the number listed. I tried to dispute this debt 4 times on different days, times and computers and got the same message each time. When I finally did call the company ( they now have my phone number because I called them and they have caller if- which they didnt have previously ) it connected me with a debt collector. This is clearly misleading and a scam to get you to talk to them directly. ( Which I saw through right away ). Also, the website that I logged into said that the date of service for this debt was XX/XX/2018 but the debt collector gave me a different date. And she did not have a copy of the letter that they sent me about the debt. The information they had on file was different from the information they sent me in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: OPORTUN FINANCIAL CORPORATION
State: NY

Complaint narrative:
This card was opened up fraudulent my XXXX XXXX XXXX XXXX XXXX XXXX  open up a lot of accounts in my name and this is one and whats so crazy is that this company gave a card to someone without proper identification, how can a company have a card to someone with using someone else information and whats so crazy is that I have told this company that it was open fraudulent and the party that did this has passed away now, how is it that a card company would even allow this without talking to anyone over the phone all a person needs is someone information and they issue a card and months down the line they tell you, you owe something this company needs to be held at a higher standard

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I bought a {$40.00} gift card with Vanilla Visa gift card. For my daughter 's up coming wedding. I bought it in XX/XX/2022. I try to check it yesterday and it wouldn't take my card number. So I left it til I could get it fixed, I went online, this time my number worked. Said I had a charge yesterday to a XXXX? Of XXXX leaving XXXX cents on my balance. It took me forever to get a hold of anyone to see what happened. I was told that it would take about 90 days for an investigation for fraud. I want this company to be reported for fraud. I believe it is on their side. I believe that they think that the amount of time it takes to refund the money if it proves fraudulent takes too long to get the refund back, customers will just let it go. I feel my card was compromised by the Vanilla gift card company because there are Several articles that have the very same thing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : US DEPT ED/ {$1300.00} / XX/XX/2022 US DEPT ED/ {$750.00} / XX/XX/2022 US DEPT ED/ {$3900.00} / XX/XX/2022 US DEPT ED/ {$2300.00} / XX/XX/2022 US DEPT ED/ {$3900.00} / XX/XX/2022 US DEPT ED/ {$1200.00} / XX/XX/2022

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 2022-04-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : US DEPT ED/ {$1300.00} / XX/XX/2022 US DEPT ED/ {$750.00} / XX/XX/2022 US DEPT ED/ {$3900.00} / XX/XX/2022 US DEPT ED/ {$2300.00} / XX/XX/2022 US DEPT ED/ {$3900.00} / XX/XX/2022 US DEPT ED/ {$1200.00} / XX/XX/2022

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 2022-04-13 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: TX

Complaint narrative:
I got a car loan from XXXX XXXX XXXX some time back XXXX and the truck was not making any profits and I returned the truck to the seller. 
I had a financial settlement with XXXX XXXX XXXX, the settlement was paid but they never cleared my name from the Credit report since XXXX. 
Apparently out of business and can not be traced.

Kindly help me fix this issue.

May I have an investigation report about my current credit status. 
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 non-monetary relief
Consumer complaint received 2022-04-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have actually opened this case before but I can't access my email in XXXX mail because I reset my password. What happened was that XXXX scammed me by changing the charges after I hit pay end of XXXX. I called citibank that same afternoon and explained the situation. The staff said they can cancel the charge if I cancel my card and got a new card with a new number. I agreed and we did that. I also used a different credit card and made a whole new hotel booking. But I still got charged. 

For a couple of months, contacted them over the phone and via chat asking the to dispute this charge. The promised me that it taken off my account. One said that it's fraud because it wasn't what I agreed to pay, another told me that it's a mischarge or something of that sort. They kept reassuring me that the charge was taken care of and wouldn't go on my account. Then the charge was then off for a few weeks. Then they put the charge back on again. I'm sick and tired of replying to them. 

I would never have made a whole new booking if the citibank staff hadn't agreed to cancel the charge in the first place. Now I'm supposed to be paying more than double of the original hotel booking? 

The last time I complained here, they told me that I can not get records/ transcripts of our conversations so I can't prove anything. I only have screenshots of one of my correspondence with them, but you can see that they told me the charge was taken off.

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 2022-04-13 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: HI

Complaint narrative:
I applied for loan forbearance back in XXXX when XXXX was still handling my loan. I was approved for forbearance until XX/XX/2022. However, my loan was transferred to Aidvantage  recently and has my loan repqyment information wrong. When I look at my loan information on their site it says my loans are due to be repaid this month on the XXXX. That is incorrect and I have the approved forbearance letter that clearly states my loans are in forbearance until XXXX of this year. I will attach the letter in this complaint. 
I can not have Aidvantage  ruining my credit by reporting I have not made payments on my loan. They need to update their information.

Company response to consumer: Closed with explanation