vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
After I gave birth on XX/XX/XXXX at XXXX XXXX, I set up a payment plan with the hospital and it was paid off when my daughter turned XXXX XXXX XXXX in XXXX. I received a phone call in XXXX from XXXX XXXX XXXX that the insurance company hadn't paid them the payment at that time. I was told to contact the insurance company ( XXXX XXXX XXXX  ) and was threaten that the hospital will transfer the debt onto me if the insurance company doesn't pay the hospital so I called the insurance company and asked them to pay the payment. Now, I'm scanning the document and it seems like the hospital tried to claim the payment from XXXX XXXX California. It is a very stupid mistake that we told the hospital so many times that they needed to make the correction. 
More than a year later, XX/XX/XXXX, I received a mail from XXXX XXXX XXXX, a debt collector is claiming the payment from me. I called XXXX XXXX XXXX to clarify that we paid off our payment as we still have the records of the account # with XXXX XXXX. I also called the insurance company ( XXXX XXXX Florida ) to clarify the payment on XX/XX/XXXX, I was told that they erase payment history after 2 years, so they don't have records if they already paid the hospital or not. The lady at XXXX XXXX XXXX said that she will need to escalate the issue to her supervisor to get information. 
I got a phone call today from CMRE ( XXXX ), but the lady on the phone wouldn't give details of the reason for calling. All I got was the name of the company and very rude attitude. 
I looked up the company and understood that I need to take actions. 

It's very unfair that I need to go through this when I'm still trying to figure out what happened and why I'm bothered by a payment that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was told to call back when I get the annual fee charge to get it waive. I spoke to manager XXXX XXXX and he refused to remove the charge. 
I am requesting for the fee to be waived as I was promised. 
The manager XXXX has no manners. He placed me on hold 3 times without asking for permission Is this how citi treats its customers? 
I asked him to please speak clearly and he spoke even faster making it imposible to understand. What type of Citi employees are this?

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 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: AFNI INC.
State: NM

Complaint narrative:
I got a letter from afni collections wanting XXXX dollars from me for an accident that happened last year and are threatening to suspend my drivers license if I dont pay them said amount they said they could do an installment plan for XXXX this was at the end of XXXX and said it had to be paid by the XXXX or they will suspend my license they have threatened me on the phone and are very rude I have written them a certified letter asking them to validate the claim and what I owe by 30 days and how I owe that debt I had a letter from them but it got destroyed in a house fire that happen recently where they stated that they would suspend my drivers license

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I've had reached out several time to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to send over an original signed agreement contract showing that I am obligated to pay XXXXXXXX XXXX XXXX a debt of {$310.00} which that I do not owe them and they fail to comply to my request on sending over the original agreement showing that I owe XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. They sent over a copied doc of a signed paper of a break down bill from a different company besides themselves which the signature on the paper does not match my signature. This is most definitely violating my rights under 48 USC 2106 Failure to regulate business practices by law. 

If the furnisher can not provide evidence to verify the accuracy of the information after a dispute, they are required to remove or correct the information in the credit report.

Also, there are two different balances being reported on my credit report and mailed out by XXXXXXXX XXXX XXXX {$300.00} and {$310.00}. This falls under 15 U.S. code 1681s- inaccurate information

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I need your help regarding this incorrect account appearing on my credit report. The issue has damaged my standing, and I depend on your assistance. Due to your mishandling, my reputation has suffered. These inaccuracies must be removed from my credit report 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 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXXXX/XX/year> Caine and Weiner Subject : Follow-Up Dispute of Collection Account Request for Method of Verification To Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : 1. The method used to verify the accuracy of this collection account.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ).

Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
My long standing Kohls charge card has been closed down by the company and they switched over to a capitol one card without my knowledge. Capitol One card showed up in the mail today without me applying or approving of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am unaware of inquiries showing on my credit report and collections I have asked to show proof such as signature, social, Id I am unaware of XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> also collection from XXXX XXXX XXXX I have called them directly and no results I feel like I am being unheard and very annoyed that I have to go extra mile for something on my profile that I did not authorize I have asked credit bureaus and creditors to obtain proof of my identity with these accounts and they have did nothing but denied me of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am unaware of inquiries showing on my credit report and collections I have asked to show proof such as signature, social, Id I am unaware of 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 XXXXXX/XX/XXXX also collection from XXXX XXXX XXXX I have called them directly and no results I feel like I am being unheard and very annoyed that I have to go extra mile for something on my profile that I did not authorize I have asked credit bureaus and creditors to obtain proof of my identity with these accounts and they have did nothing but denied me of my rights

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECTED the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Fairway Independent Mortgage Corporation
State: DE

Complaint narrative:
Upon closing on a home purchase in XX/XX/year>, I was mislead into closing on property with an interest rate 7.5 % which was above the market 's average interest rates. When speaking with the lender in early XX/XX/year> I requested to locked my interest rate prior to XX/XX/XXXX when Fairway mortgage was offering an interest of 6.85 %. I was denies the opportunity to lock-in at 6.85 % because " rates are expected to drop ''. I ended up closing with a rate of 7.5 %, and the buy down options offered at time of closing was extremely expensive. Due to the fact that the mortgage was not locked in a reasonable timeframe, my partner and I was forced to close at 7.5 % with a mortgage of {$5700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the item, or inaccurate information, from my file immediately & send me the results to the address. 
XXXXXXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I noticed on my credit report I had a from Kohls which was open XXXX and the amount is XXXX. I sent a letter to kohls asking to send me proof of debt, debt validation letter and payment history. Reason being I never lived at the address they have on file and under 15 USC 1681b companies are not allowed to report inaccurate information on consumers credit. Under 15 USC 1692g the information that is being reported is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
XXXX XXXX XXXX XXXX  sent me to collections for a service performed as an XXXX XXXX XXXX  for a bill which I did not know about. They sent the bill to an address that doesnt exist and never called me. All other providers submitted to insurance and were paid. I have contacted provider and gave proper address for billing and insurance information. They told me I should not be in collections and is supposed to be on pause until insurance answers. Collections will not remove me and my credit is being damaged. XXXX XXXX Cornerstone XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I submitted a claim for XXXX. For 2 transactions. It was a dispute. I gave screenshots and typed up a timeline of evidence. The company also told me they would refund me, but I had to go through XXXX. XXXX was impossible to get through to. I sent multiple emails. The evidence I gave was more than enough to find the dispute in my favor. And I see no harm if the company was willing to issue a chargeback. Please reopen my case and actually review the evidence. The agent I spoke to was also devoid of empathy or solution. I did not receive or use what I purchased and the company agreed to refund. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE 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 non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Hello, I've had reached out several time to the Genesis credit management DBA Columbia credit recovery to send over an original signed agreement contract showing that I am obligated to pay Columbia credit recovery a debt of {$310.00} which that I do not owe them and they fail to comply to my request on sending over the original agreement showing that I owe Genesis credit management DBA Columbia credit recovery. They sent over a copied doc of a signed paper of a break down bill from a different company besides themselves which the signature on the paper does not match my signature. This is most definitely violating my rights under 48 USC 2106 Failure to regulate business practices by law. 

If the furnisher can not provide evidence to verify the accuracy of the information after a dispute, they are required to remove or correct the information in the credit report. 

Also, there are two different balances being reported on my credit report and mailed out by Columbia credit recovery {$300.00} and {$310.00}. This falls under 15 U.S. code 1681s- inaccurate information

Company response to consumer: Closed with explanation