vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 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: TX

Complaint narrative:
My student loans  are with XXXX. I have always made my payments on time. For whatever reason, there are late payments on my credit reports. As you can see in the letters I attached, I've always had great payment history with these accounts, then it randomly shows XXXX  days late the next month after on-time payments. This simply isn't possible. I tried contacting XXXX, TransUnion, and XXXX, but none of them have responded to my request. I have highlighted the clear errors in their reporting in my attachments.

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 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I was not notified that they would not be making a payment after they said they would. They did not forward me the bill they received around XXXX for the tax statement after they notified the tax office and me that they wanted the bill and will pay it. 

I would like a late tax fee reimbursement. My school tax was not paid nor was I notified of the needed payment and it is now delinquent. And I have been assessed an approximate {$150.00} fee. This is one of the main reasons why I left Nationstar/Mr. Cooper. a lack of consistent quality customer service. I would like to be reimbursed this fee since I was not notified of an original statement being sent to you all. And it was not forwarded to me or at least communicated to me. It seems you all didn't even notify the tax company to send the bill to me as well or instead. The first time I heard the bill needs to be paid is the delinquent letter I have now received saying it is late. The below email also said that my next tax payment would be paid in XXXX in XXXX. If not, I should have been notified as I mentioned earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
" XXXX " Medical Revenue Service has refused to present me my HIPAA AUTHORIZATION for acct XXXX. 
Medical Revenue Service has violated my HIPAA rights. This account must be immediately removed from my credit report or I will sue!

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 2021-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I applied for and received a XXXX XXXX  from Bank of America using my XXXX name and XXXX. Unbeknownst to be at the time, the bank used by XXXX XXXX when it approved the loan, which was then approved by the XXXX. Now, I can neither obtain a XXXX loan from Bank of America nor can I seem to receive from them the required " Invitation '' to seek forgiveness of my first loan. I also have been turned down for the second draw by other financial institutions because my first draw was approved with another lender, Bank of America. When the XXXX loan application process first started, Bank of America 's requirement was that you have a business  relationship with Bank of America, which I did. My Bank of America account is owned by my XXXX. The XXXX regulations do not require a pre-existing business banking relationship. That is a requirement imposed by Bank of America, and nowhere did it state that when they said " YOU '' must have a pre-existing banking relationship that it meant your legal entity, nor that the bank account must match the XXXX  of the XXXX application. They admit that I applied under the XXXX name with the XXXX XXXX. But because they deposited the funds into my XXXX  account, they now can not or will not seem to correct the situation so that I may receive the second draw or even seek forgiveness for the first draw. The promissory note they prepared and I signed listed only me as an individual as the obligor. Had they listed my XXXX  as the obligor, I would have brought to their attention AT THE TIME, that I did not apply under my XXXX. I have since signed another " replacement '' promissory note provided to me by Bank of America that lists as the borrower my XXXX. They know that the error is solely on their part but refuse to take the steps necessary to correct their error to my substantial financial detriment.

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 2021-03-30 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: OH

Complaint narrative:
Pulled my report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act XXXX FRCA XXXX, section XXXX, subsection ( XXXX ) ( D ). The Following Accounts listed below : - 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 2021-03-30 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: OH

Complaint narrative:
Pulled my report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act XXXX FRCA XXXX, section XXXX, subsection ( XXXX ) ( D ). The Following Accounts listed below : - XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX XXXX 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a compliant with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 45 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from from my credit report it has been over 45 days so they should be deleted promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
FIRST CITIZENS BANK CREDIT CARDXXXX does not protect their clients FROM FRAUD. 
On XX/XX/XXXX, I filed a fraud claim on a transaction that occurred on XXXX XX/XX/XXXX XXXX for {$590.00}. The agent took my claim and understood it was good it was within the XXXX timeframe needed to file. I was told I would have a credit within XXXX. I never saw the credit and called to follow up on ( XX/XX/XXXX ). On this follow up call the agent stated the claim wasnt within the XXXX so I clarified yes it was, it was first called in on XX/XX/XXXX. Agent verified dates and apologized and took my claim again and we should see credit with XXXX. Today I call again just to verify because I thought I saw the credit but I cant find it on my statements. Called today ( XX/XX/XXXX ) and when the agent " XXXX '' checked on the claim, she stated the claim was denied because it wasnt within the XXXX time frame for filing. I questioned when did it change from XXXX to XXXX? She couldnt say and just kept repeating the XXXX. I asked if a credit was given it must be a temp credit and then they reversed it and agent confirmed YES. I asked to escalate and was told there was no escalation, it was denied. Advised agent a complaint was going to be filed because they lead us to believe the claim would be credited and they seem to change the rules as they go. NOTE : no notification was ever received of any denial nor of any possible change of required time frame. They are deceiving me and Im sure Im not the only one. I will be posting this issue on-line for other XXXX XXXX  that may think FIRST CITIZENS BANK is there to protect them. If we didnt follow up, no one would know they just used that excuse to protect themselves, not their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have made 2 previous written requests, as well as 3 prior complaint to CFPB ( XXXX, XXXX ) in regards to the continued violation of my consumer rights concerning Equifax and their reporting of my personal information. Equifax continues to illegally report unverified items lon my credit report in violation of Federal Law. Equifax stated in their responses to my 2 dispute letters that they have verified that the items listed are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. Equifax has ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. I have also attached evidence that Equifax is indeed not actually verifying any information contained in ther report when all they havedone is parroted information given to you by other third party sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 15 U.S.C 1681 ( a ). Equifax 's failure to delete the disputed accounts that they can not verify after two written requests is also evidence of your willful disregard of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Global Equity Finance, Inc.
State: WA

Complaint narrative:
We started a refinance with XXXX XXXX at Global Equity Finance back in XXXX of XXXX. Paid out of pocket for appraisal and a foundation engineering certificate, at a cost of over {$1000.00}. We were told we were locked into a 3.5 % interest rate. 

Months go by, we have to re-submit documents and pay stubs, I had to do three seperate conference calls with our current lender to verify there has been no late payments in the last 12 months. Two of these calls were in the same month! Also I was advised 3 months in a row to not pay the mortgage to our current lender, because our refi was " closing this month ''. So, including this month I had four late charges I had to pay for. We were very dilligent about getting anything they asked for as quickly as possible.

Finally, five months later, I was told we were clear to close on XX/XX/XXXX. But the closing disclosure that we E-signed had a rate at 3.625 instead of the promised 3.5. I call XXXX and he informed me our debt ratio caused this. I reluctantly accepted that and just wanted to be done with this whole mess, so we went ahead and E-signed the closing disclosure at a 3.625 rate. 

I was told to meet up with the Notary at XXXX XXXX  on XX/XX/XXXX to sign the hard copies of our loan. So, I happily was driving to meet said Notary to do so, and at about XXXX I get a call from XXXX XXXX, who said he was a supervisor at Global Equity and he tells me I can not sign today, and they moved our interest to a 4.5 %!!!! This was 30 minutes prior to signing, while I was driving to meet the notary!!!! How can my rate keep changing, especially after I E-signed on a XXXX XXXX And literally minutes before signing the hard copies???? After XXXX  months of being strung along to boot. 

This company has caused my Wife and I a great deal of stress, and money loss. The {$870.00} appraisal does us no good now, as they are only good for 120 days. That's 10 days from today. 

I informed XXXX by phone I will be submitting this complaint with you, and followed up with an Email to him and XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30 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:
Collection opened XXXX XXXX Contacted CMRE Financial Services via phone, email, and sent letters, asking for validation of collection. 


I was not sent anything. 

They said they sent a medial bill. I was never seen at XXXX university XXXX as stated. 

I live XXXX hours away from XXXX, I do not go to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: TX

Complaint narrative:
My student loans are with XXXX. I have always made my payments on time. For whatever reason, there are late payments on my credit reports. As you can see in the letters I attached, I've always had great payment history with these accounts, then it randomly shows 90 days late the next month after on-time payments. This simply isn't possible. I tried contacting Equifax, XXXX, and XXXX, but none of them have responded to my request. I have highlighted the clear errors in their reporting in my attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC
State: TN

Complaint narrative:
I am writing to express my concerns about a recent incident I experienced with your company. I purchased a XXXX XXXX XXXX on XX/XX/XXXX with a down payment of {$800.00} shortly after purchasing this vehicle I started experiencing problems. There was a very loud noise coming from the front end of my car when accelerating. Due to the holidays and XXXX being backed up I was unable to get an appointment til A few weeks later. I took my vehicle to XXXX XXXX on XXXX XXXX in XXXX to receive a diagnostic on my vehicle. After leaving my car at XXXX for 8 hours, a full business day the mechanic at XXXX informed me that the noise was coming from the car being low on oil. Silver rock then advised him to check my car for any leaks and to change the oil on my car however they were not covering the costs for the oil change. After advising the mechanic that I didn't have the money at the time for the oil change he refused to check my car for any leaks and stated that my car just needed oil. I took my car to be serviced for an oil change and a few weeks after my car completely stopped on my way to work. I checked my car for oil and there was no oil in my vehicle. Shortly after this incident I reached out to XXXX rock regarding this manner who advised me to take it to XXXX XXXX. Once I arrived at XXXX XXXX I explained to them my concern with my car and a diagnostic on my car and stated that it could be an internal problem with my engine. They also were unable to service my vehicle. This has been more than an inconvenience to me. I have missed work and class due to me not having a reliable vehicle that I have paid my money for. I also paid for a warranty through your company whos also very unreliable. I have had to call them multiple times just to get the costs covered for work that wasnt done on my car due to the miscommunication between them and the mechanics. Since I purchased my car it has been at least 4 different repairs and I'm still having the same issues. As a customer I am very disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
My name is XXXX XXXX, and I am a XXXX XXXX woman. I live alone in XXXX XXXX, Idaho and survive on {$1000.00} a month in social security benefits. A friend helped me write this letter. 

On XX/XX/2020 I went to XXXX XXXX, located at XXXX XXXX XXXX XXXX , XXXX XXXX, ID XXXX, for a free examination and x-rays. By the time I left, they had charged me {$1600.00} for deep cleaning. I met with a front office employee of XXXX XXXX that day, but the conversation was confusing, rushed, and I felt pressured. She had me sign something that I did not understand, and only later discovered was a {$1400.00} loan from a company called Dental First Financing/Comenity. I have a mental condition that I take medication for ( which I disclosed on the XXXX Dental registration forms ) and I honestly did not realize what I was signing until I started receiving bills. If I knew my free visit was going to end up costing me over {$1600.00}, I never would have gone there. Under no circumstances would I have knowingly taken out a loan like this when I am barely making ends meet! 

Since late XX/XX/2020, I have tried several times to resolve this on my own by speaking to the office manager of XXXX XXXX, a woman named XXXX. I also disputed the bill with the finance company, but they still say I owe them money. I do not believe I should owe them anything because I did not know what I was signing. My XXXX, and the high-pressure environment at XXXX XXXX, made it impossible for me to understand what I got pushed into. I called the finance company again just recently and they wanted to charge me {$9.00} to speak to a higher up representative to get this resolved. This was so upsetting, I hung up on them. 

The emotional harm this experience has caused me is beyond words. I cry every time I think or speak of it. I feel like XXXX XXXX exploited me as an elder, violated my rights under the American with Disabilities Act, and failed to follow lending laws by not clearly informing me of what I was signing. I can not afford a lawyer and am asking that you please help me hold these people accountable. 


Thank you so much for your time and efforts on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
I received a letter dated XXXX from this company attempting to collect an alleged debt on behalf of another collection agency XXXX XXXX XXXX. There were also several laws violated here. 
15 USC 1692 ( g ) ( 5 ) a statement that upon the consumer written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor if different from the current creditor. 
This document lists XXXX  XXXX, na. that is false information Per the definition by congress written in the definition of the law. Myself, I can not extend credit to myself. Another violation is 15 USC1692d ( 2 ) the use of obscene or profane language the natural consequence of which is to abuse the hearer or reader. The words/language used in this letter is just that proving a violation of law. Also, violations of 15 USC1692n ( f ) ( 8 ) using any language or symbol other than the debt collectors address on any envelope when communicating with a consumer by use of the mails or by telegram except a debt collector may use his business name IF such name does not indicate he is in the debt collection business. Well Radius Global Service Solutions is for certain in the debt collection business and letter they sent clearly state that this is a attempt to collect a debt. The envelope showed Radius Global Solutions. 
I am requesting a removal of this alleged debt from all sources listed on this document and a deletion of this alleged debt. Also requesting {$1000.00} for the violations of laws per 15 USC 1681 ( n ) civil liability for willful noncompliance. Per law 15 usc 1681n ( a ), 15usc 1681n ( 1 ) ( b ), 15 usc 1681n ( b ). Nothing listed above is a belief its a fact.

the letter is from radius global solutions, but has XXXX XXXX XXXX and XXXX XXXX n.a on the letter so im not certain on where you would say it came from

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 2021-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
Im Writing to you today in shock due to The fact that after reviewing my credit file, I found several errors you are reporting witch are hurting my good name. I expect you to listen to my instructions and get this taken care of swiftly. 

XX/XX/2021 Accounts are being reported with one Bureau and not the other two under date last active. If this is the same account being reported by the same creditor why is the information missing?

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