vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
my phone showed a person in my phone book even sad the name when i answerd it was HRRG Calling not XXXX XXXX i feal thay must have hacked my phone book or phone account the number when u look after words is the person in phone book so i dont know how to prove what thay are doing i would think what thay did is not leagle but i am not a lawer i would like them to say thay are sorry for what thay did and sence bill is less than 250 $ that thay pay it off thank you 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 2020-09-22 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: MA

Complaint narrative:
Shellpoint reporting 60 days late in XXXX. This was never late. 
The payment was made just was never transferred from previous mortgage company.

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 2020-09-22 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: FL

Complaint narrative:
I filed a complaint XXXX about unauthorized inquiries with Experian, the company responded that the inquiries were made In accordance with the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit information I am quite sure the Fair Credit Reporting Act allows for consumers to know the reason someone is accessing their credit report and if they had the consumers permission to access their credit report. I am telling you I did not authorized these inquiries, I am a victim of Identity Fraud and I am asking you to help me resolve it by simply providing me with some proof so that I can determine what is going on with my credit. As a major credit bureau I would expect more help for the consumers that are facing an ever increasing threat from Identity theft. I would like a copy of the contract authorizing the inquiry or the removal of the inquiry.

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 2020-09-22 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-09-22 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A check intended to pay our accountant was STOLEN from our mailbox and deposited by XXXX XXXX. Bank of America will not refund our money because we did not catch it in time, missing their 60-day window by only 15 days. 

This is a clear cut case of check forgery and mailbox theft. 

XXXX XXXX needs to answer for these crimes.

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 2020-09-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. 
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come 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 2020-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Springer Collections Inc.
State: MN

Complaint narrative:
In XX/XX/XXXX XXXX with Springer Collections of XXXX XXXX, MN left a message on my home number looking for a XXXX XXXX regarding an old medical debt ( from XXXX ) for a low-income medical clinic in XXXX XXXX. My mother 's name is XXXX XXXX, and I did some investigating with the clinic as to the nature of the debt. As suspected, the clinic was looking for a different XXXX XXXX. The birthdates were way off, the social security number was wrong, and we determined that my mother had never been to that clinic. She lives some 40 miles away and is in memory care, not capable of getting to the clinoic. I spoke at length with XXXX after my investigation and she informed me that XXXX would no longer be contacting me. Further, the clinic was supposed to notify Springer that they were pursuing the wrong XXXX XXXX. 

Yesterday, on XXXX XXXX at XXXX XXXX, I received another message on my home answering machine from XXXX with XXXX Collections. She repeated her first message from XXXX, asking for XXXX XXXX regarding a medical debt. She did not give any indication in her message that she remembered she was calling the wrong party again.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-22 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. 
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come 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 2020-09-22 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: STATE FARM BANK, FSB
State: MN

Complaint narrative:
State Farm Bank has reported to all three credit reporting agencies that I had exceeded my credit limit, overspent ( maxed out XXXX my card specifically on a {$2000.00} credit limit and that I had a high balance of {$2200.00} from XX/XX/XXXX to XXXX/2020. I called in XX/XX/XXXX2020 and an State Farm bank account executive confirmed the info was false. I was told regardless to file a dispute with the credit reporting agencies which I did. The decision came back from State Farm Bank XXXX stating the info was accurate and would remain on my record. 
The credit reports clearly in the boxes report every balance I had during that period, the highest I have ever been was {$1900.00}. I called State Farm and spoke to account executive again and she also reported I never had the high balance being reported and in fact had never maxed out my card and confirmed the highest balance I had during the specified period was {$1900.00}. I disputed it with all 3 credit reporting agencies. XXXX returned a decision to me stating State Farm would not change this discrepancy. I was then told by State Farm to file a formal report with them, sending them a letter outlining the specifics of my complaint and producing all statements from this time frame and they would look at my claim and return a verdict in 60 days ( after already waiting for 60 days with formal disputes with the three agencies would should have easily remedied this ). The evidence they need is directly on my report, their own staff report this is a false claim on my record. XXXX  tells me there is nothing they can do my dispute was sent in and State Farm has declined to intervene on a clearly inaccurate reporting of my history. Why is their a dispute process with the agencies if the company can disregard the complaint despite clear evidence and support to the contrary. I have been told that as long as this dispute is on my record I can not move forward with refinance of my home. I have now waited longer than 60 days and am being asked to go through a process again despite clear irrefutable evidence on my own credit report articulated month by month for every time frame within the reporting period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Nationwide Recovery Systems, Ltd
State: KS

Complaint narrative:
XX/XX/XXXX a debts collector call asking for money asking for me to verify personal information he wants me to pay everything very pushing after a while I say yes I was gon na pay I just left the phone a hangout up and XX/XX/XXXX after my treatment in clinic a phone call came I say he there to talk to XXXX, he say is me, like he knew me, call me by my name I was confused he start asking about by social security again by social are this 4 your your social are this 4 your social, he say, he is the debit collector pushing I confused say yea and he hand up after I try to reach back the number just say nationwide recovery online people say is a debt agency that after you pay for collection it takes extra money for your credit I want to report it before it happens to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Springer Collections Inc.
State: MN

Complaint narrative:
In XX/XX/XXXX XXXX with Springer Collections of XXXX XXXX, MN left a message on my home number looking for a XXXX XXXX regarding an old medical debt ( from XXXX ) for a low-income medical clinic in XXXX XXXX. My mother 's name is XXXX XXXX, and I did some investigating with the clinic as to the nature of the debt. As suspected, the clinic was looking for a different XXXX XXXX. The birthdates were way off, the social security number was wrong, and we determined that my mother had never been to that clinic. She lives some 40 miles away and is in memory care, not capable of getting to the clinoic. I spoke at length with XXXX after my investigation and she informed me that Springer would no longer be contacting me. Further, the clinic was supposed to notify Springer that they were pursuing the wrong XXXX XXXX. 

Yesterday, on XXXX XXXX at XXXX XXXX, I received another message on my home answering machine from XXXX with Springer Collections. She repeated her first message from XXXX, asking for XXXX XXXX regarding a medical debt. She did not give any indication in her message that she remembered she was calling the wrong party again.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
its saying I have late payment but I did not see a notice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX XXXX  has reported to all three credit reporting agencies that I had exceeded my credit limit, overspent ( maxed out XXXX my card specifically on a {$2000.00} credit limit and that I had a high balance of {$2200.00} from XX/XX/XXXX to XX/XX/XXXX. I called in XX/XX/XXXX and an XXXX XXXX XXXX  account executive confirmed the info was false. I was told regardless to file a dispute with the credit reporting agencies which I did. The decision came back from XXXX XXXX XXXX  XXXX stating the info was accurate and would remain on my record. 
The credit reports clearly in the boxes report every balance I had during that period, the highest I have ever been was {$1900.00}. I called XXXX XXXX and spoke to account executive again and she also reported I never had the high balance being reported and in fact had never maxed out my card and confirmed the highest balance I had during the specified period was {$1900.00}. I disputed it with all 3 credit reporting agencies. XXXX  returned a decision to me stating XXXX XXXX would not change this discrepancy. I was then told by XXXX XXXX to file a formal report with them, sending them a letter outlining the specifics of my complaint and producing all statements from this time frame and they would look at my claim and return a verdict in 60 days XXXX after already waiting for 60 days with formal disputes with the three agencies would should have easily remedied this ). The evidence they need is directly on my report, their own staff report this is a false claim on my record. XXXX  tells me there is nothing they can do my dispute was sent in and XXXX XXXX has declined to intervene on a clearly inaccurate reporting of my history. Why is their a dispute process with the agencies if the company can disregard the complaint despite clear evidence and support to the contrary. I have been told that as long as this dispute is on my record I can not move forward with refinance of my home. I have now waited longer than 60 days and am being asked to go through a process again despite clear irrefutable evidence on my own credit report articulated month by month for every time frame within the reporting period.

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 2020-09-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Wife took out a loan from Citybank for XXXX, For our sonXX/XX/XXXX,XX/XX/XXXX We has to file bankruptcy due to the economy.We made payments when we could.Around XX/XX/XXXXCity bank sold our loan to XXXX.Which would not work with us, We now owe twice the amount due to interest.I believe When my wife took out the loan it should have been a private loan.I believe this is not fair to owe twice the amount from the original loan amount, And no one will listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
XXXX car accident XXXX received wells Fargo payment invoice XXXX filed GAP insurance claim XXXX received wells Fargo payment invoice XXXX Insurance pending XXXX Wells Fargo balance due letter XXXX I called to see if payment was received from GAP NO Further Contact No Calls No letters, no collections XXXX Received Debt Charge off XXXX Disputed with Credit Bureau ( requested Validity of Debt ) XXXX Disputed denied XXXX Disputed With Wellsfargo & Credit Bureau XXXX denied I have requested : any Proof of payments received and copies of any letters attempting to collect a debt. FDCPA was not followed I did not receive Fair chance to pay debt prior to it being charged 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 2020-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: OK

Complaint narrative:
No contract with Procollect , inc . Creditor is listed as XXXX XXXX XXXX, who I used to be employed with. I never entered into any loan agreements, This debt is hurting my credit during a time of crisis.

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 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
Fay Servicing is reporting missing information, like loan number. No verification that I opened an account with them showing contract and signature. Reporting misleading information that consumer statement includes foreclosure initiated. I have never opened an account with FAY Financial. Statements and reporting from different addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Claims Bureau, Inc.
State: NY

Complaint narrative:
I received a random letter in the mail from " Professional Claims Bureau '' claiming I still owed {$47.00} to XXXX XXXX XXXX XXXX from a doctors appointment back in XXXX of 2019. This is false, there was no balance owed and I have a current balance of {$0.00} which is confirmed via their online billing site ( screenshots attached ).

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