vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This collection company has recently placed a collection on my credit report. They sent me an itemized list of my minor childs medical procedures from 6 1/2 years ago stating that money was owed on a medical debt. The letter did not include a HIPPA release form nor was authorization given to share my childs medical records. This is a clear violation of HIPPA laws because they did not produce a HIPAA release form so how did they receive my minor childs health records??? My HIPAA rights were violated and I demand the deletion of this debt immediately or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XX/XX/2020 - Made a balance transfer from my American Express Blue card ( {$940.00} ), and a balance transfer from my American Express XXXX card XXXX {$2200.00} XXXX. XXXX made both transfers on XX/XX/2020. 

The XXXX balance was immediately shown on my account for the American Express XXXX card. It's been a week later, and nothing is shown in my account for the American Express Blue card ( Account number XXXX XXXX XXXX ). 

I reached out to XXXX, and they told me that the transfer was completed. When I called American Express at XXXX, they told me that there was no transfer. I offered to email the representative documentation from XXXX, and was told I couldn't. 

Whether intentional or not ( probably unintentional ), I feel that I have just been swindled for XXXX. American Express is not interested in any proof that the balance transfer occurred, and the representative was talking down to me like I was a child. Once this episode is over, I plan to cut up my American Express cards, and withdraw all my money from the savings account I have with them. In the mean time, I am just looking for a little justice here, and having MY money that was taken by American Express returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
My credit limit was reduced due to an error that was made on my credit profile and bank refuses to fix issue. 

Please see attached letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
In XX/XX/2019, I had reported to Comenity bank that I had not used my credit card ( ending in XXXX XXXX in over two months, and I was seeing a fraudulent transaction of {$18.00} on my account. I had asked the representative to take off the charge and close my account. I was told that I will be sent some paperwork which I have not received till date. Comenity bank keeps charging me interest and fees on this {$18.00} amount and I have informed them that I will not be paying for any fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I started working with XXXX XXXX XX/XX/2020. I choose Wells Fargo because they had a good rate and the origination cost were reasonable. I agreed to {$1700.00}. I was first proposed 2.75 % interest rate on XX/XX/XXXX and was told that she could not lock me in because she did not have the purchase agreement. The following day she locked my rate in, still without the agreement, forcing me to pay a discount fee to lock in the rate. I had asked her if there would be additional fees later and she said that everything was outlined in the loan estimate. The fee was around {$500.00}. I paid that because I knew I would only have to pay that one time fee and then just the downpayment and closing cost. My loan estimated that my closing cost was around XXXX with XXXX in escrow ( for a total of XXXX ), now I am being told that I will need around XXXX in order to close on my house. I was told my DTI was good, and now all of a sudden it is not. My origination fees on the original document went from {$1700.00} to close to XXXX. This is not fair to me. Something needs to be done about this. I have been in underwriting for more than a month now. This is very frustrating. I'm being told that my student loans are the reason why my origination fee changed even though I was told that it would not change.

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 2020-05-26 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: MO

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ( Original Creditor : ), XXXX. 
Company Inquiries XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT 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 response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
XXXX XXXX XXXX recently placed a collection on my credit report. They sent me an itemized list of my minor childs medical procedures from 6 1/2 years ago stating that money was owed on a medical debt. The letter did not include a HIPPA release form nor was authorization given to share my minor childs medical records. This is a clear violation of HIPPA laws and they did not produce a HIPAA release form with the itemized receipt that was mailed to me. How did they receive my minor childs health records without my permission??? Both my minor child and my HIPAA rights were violated and I demand the deletion of this debt immediately or I will take legal action.

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 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX recently placed a collection on my credit report. They sent me an itemized list of my minor childs medical procedures from 6 1/2 years ago stating that money was owed on a medical debt. The letter did not include a HIPPA release form nor was authorization given to share my minor childs medical records. This is a clear violation of HIPPA laws and they did not produce a HIPAA release form with the itemized receipt that was mailed to me. How did they receive my minor childs health records without my permission??? Both my minor child and my HIPAA rights were violated and I demand the deletion of this debt immediately or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANCORP
State: PR

Complaint narrative:
On XX/XX/XXXX a lockdown was declared in Puerto Rico due to the COVID-19 Pandemic by PR Commonwealth Governor, XXXX. XXXX XXXX XXXX. Among the governor Executive Order 2020-23 provisions to help citizens deal with the pandemic economic impact, there was a relief remedy for banks to provide a moratorium of three ( 3 ) months mortgage payments, which could be paid once the 3rd month was reached or be moved to the end of the loan. In my case, of the three choices for moratorium that the Bank offered, I applied for the Option 3, which was to move the payment for the end of the loan. This application was sent by email to Banco Santander of Puerto Rico on XX/XX/XXXX, and as of today, XX/XX/XXXX, I haven't received yet an official response from the Bank regarding my application, either for acceptance or denial of the application. I have been under the Chapter XXXX Bankruptcy Court since XX/XX/XXXX, and all my monthly payments for the debt during year XXXX and for the first trimester of year XXXX were up to date, until the lockdown was declared effective in XXXX XXXX XX/XX/XXXX, time from which I have been out of my job due to the COVID-19. I have provided follow up emails ( XXXX, XX/XX/XXXX & XX/XX/XXXX ) and telephone calls ( XX/XX/XXXX & XX/XX/XXXX ) to the Bank in an effort to find out an official response from them regarding the moratorium request, but all what I have received from them are default email letters describing their program scope and Plan availability, but nothing regarding acceptance or denial of the application. I have been paying on a monthly timely basis the loan debt through the Chapter XXXX Trustee, but obviously, its difficult to pay in full the part belonging to the mortgage until I can return to my job, which I expect to be at some point during the month of XXXX. This situation is making me to feel anxious and desperate since its my desire to protect and continue paying my mortgage, but need some relief support towards this objective.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I paid this account off and it needs to be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
An account was opened under fraud-deceit, misleading terms. I went to Conn 's XXXX XXXX located at XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/20. I was asked to sign for credit check. I did not consent to a purchase and did not leave with any property. I was XXXX and did not know what I was signing. I am a XXXX  and do not have a job, nor any credit in my name for the same reason. On XX/XX/20 I called the XXXX County Police Department when I received a bill for something I did not receive. They went to Conn 's and confirmed that my signature was on file. The police officer advised that they could not file a police report, but suggested I contact the FTC and Consumer Finance to fight this bill for property not received and to fight this item on my credit report. Please help! I now have a bill for {$5000.00} for nothing received. ( {$1800.00} XXXX, {$870.00} for repair service agreement, {$99.00} for Internet secure ) + tax plus interest of {$1700.00}. I will also put an alert on my credit to prevent unauthorized purchases in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: NV

Complaint narrative:
Nationwide Recovery placed debt on my credit report without giving me a chance to dispute the debt. They have also stated on my credit reports that I incurred this debt in XX/XX/2020 and this is tantamount to fraud. It seems as though they are attempting to re-age a debt. This item must be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ERC
State: AR

Complaint narrative:
ERC ( Enhanced Recovery Collection ) continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry was placed on my credit reports and ERC never communicated in writing nor notified me that they were attempting to collect on this debt. I have never conducted business with ERC nor have I ever heard of them. 

Once I became aware of this entry, I immediately disputed this erroneous, inaccurate entry with the bureaus. To my dismay, the bureaus reported that ERC had verified the entry they are reporting. To that end, I disputed directly with ERC and to date, they have not responded to me. They have not provided sufficient documentation to prove the veracity of what they are alleging. ERC is blatantly reporting this negative entry on my credit profiles and updating them monthly further damaging my creditworthiness for an entry they violated my consumer rights in reporting. 
No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. The payment history for this account lacks veracity. If they are indeed a third party collection company, how is there alleged payment history reporting? This is inaccurate. 

Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that ERC has no intent to honor nor respond to my previous dispute ; therefore, in the absence of them not responding with any documentation to substantiate the alleged debt, this entry must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I XXXX XXXX Have tried on Multiple occasions to get my free annual and now until XX/XX/2021 weekly credit report online and they will not allow me to get it. I have called on multiple days to request free credit report by mail or to fix online access they have not done so. They have mad me under the equifax lawsuit in federal court use all my free credit reports due to an issue on my acct they will not fix. the acct XXXX  XXXX XXXX XXXX does show charge off status missed payments and XXXX balance. that is incorrect and has been verified thru XXXX  XXXX XXXX to equifax on multiple occasions but they refuse to correct by law. they are in fcra violation on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CCS collection is tryna collect on two debt from me of {$470.00} and {$250.00} without sending the proper paperwork I need PROOF showing that this in indeed my debt I got a paper in the mail with my name and address on it with a bill that can not be verified that it is real. Anybody can send a fake bill but I need Actual proof that this is my debt I need paper showing that I was paying on these bills A signed contract with my name on it My monthly statement of my paying the bill. 
I know my FCRA laws and youre not following these laws

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The company is discriminating against me by closing my account in retaliation for filing claims and attempting to check the status of my claim. I was never notified that I violated any policies or agreements between Chase Bank and myself as a customer but Chase Bank elected to close my account advising me that I had violated an agreement in the past and that they will not allow me to open a new bank account. Chase bank has not and will not inform me of what guideline/agreement was breached or how it was breached. 

In early XXXX, I lost my debit card while traveling back and forth for XXXX. A few days later I began to see fraudulent charges on my checking accounts online portal. I immediately contacted Chase to report the fraud, Lock the Account, and order a new Card. The Original banker to take my call was very helpful and advised me that it can take 8-10 business days to remove the fraudulent charges and that a team member would contact me for additional information if necessary. I began to see all but one fraudulent transaction reversed and wasn't contacted by Chase for 2 weeks. After noticing a new transaction appear on XX/XX/XXXX that wasnt reversed I decided to call myself to check the status on XX/XX/XXXX and ensure the account was in fact restricted as promised by chase. I was notified by the customer service representative that their claims department has decided to close the account. No additional information was provided to me regarding the reason for closure. The customer service rep was nice enough to elaborate on how the account was attacked but couldn't tell me why I wouldn't be able to open a new account. At this point I feel like chase is taking advantage of an unfortunate situation in an effort to shed low income members who don't provide additional or as much profits for the bank as wealthier members ( i.e they're using the covid-19 pandemic and issues arising from it to target poor people ). Thank you for taking the time to read my complaint and investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian PIN does not work for unlocking credit freeze. 

I can't get Experian to temporarily lift a credit freeze. On XX/XX/XXXX I set up a credit freeze with Experian. I was issued a PIN to lift the freeze when desired. 

In about XX/XX/XXXX I attempted to get my credit freeze lifted for one time on their website. I used the PIN I was issued on XX/XX/XXXX. Experian said that the PIN was not valid. I then mailed in documentation proving my identity and Experian sent me a copy of my PIN, which is exactly the same PIN that I was originally issued. 

Today I tried to use my PIN to unlock my freeze for one week. The Experian website said that the PIN was invalid. I also called on the phone and an automated attendant told me I must send in many documents in order to get my freeze lifted ( after validating my identity and taking my PIN ). 

It seems that Experian wants to make unfreezing a credit report so difficult and impractical that no-one will ever want to freeze their 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 2020-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, ( Original Creditor : ), XXXX. 
Company Inquiries 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 2020-05-27 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, ( Original Creditor : ), XXXX. 
Company Inquiries 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