vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I had checked my XXXX XXXX  a month ago to see what my credit score was and had come across a Collections account from XXXX XXXX, ( XXXX XXXX XXXX  ), for the amount of XXXX. It's apparently from XXXX XXXX but I had never received any bill from the hospital themselves and hadn't received any letters from XXXXXXXX XXXX pertaining to this debt either. It was just on my credit account randomly, negatively impacting it severely. After disputing it with XXXX, they removed it the same day without question as I'm not the only person having issues with these companies. Fast forward to today, XX/XX/2021, I receive an actual letter in the mail from another collections agency for the SAME EXACT THING, as soon as I had this disputed. The company name is Capio Partners ( XXXX XXXX XXXX ), also for XXXX. I looked up the reviews of Capio Partners and all of the reviews of the business is claiming that they've called the hospitals/wherever they got their medical stuff done the collection agency is claiming, and they've been told they never owed any debt. Tons of the reviews are claiming these companies are scammers. I'm not wanting to get another credit collections ding on my credit score and ruin it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I applied and was approved for a refinance through Quicken Loans AKA Rocket Mortgage. I had to pay the appraisal fee of XXXX and was told by XXXX who was my point of contact through the process I would receive a refund for the amount if the loan was not able to go through due the company, I was informed on Monday XX/XX/2021 that they will not be able to provide the loan at the terms we initially agreed too and the other options were not in my best interest and the cost of the appraisal would not be refunded. I spoke with 2 escalation specialists who were not able to assist as I stated they should not request an appraisal until all the other paperwork comebacks as all clear and they advised they request it right away because it can take up to 6 months for the appraisal, meanwhile Rocket mortgage advised we would be able to close within 4-6 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. My social security number is XXXX XXXX year of birth address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX .my complaint is that XXXX XXXX refused to removed all the hard credit inquiries off my credit report I have a total of 25. I already sent them a federal trade commissions report of identity fraud and they add a fraud alert but never removed the inquiries that affect my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: CA

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
I have called over and over each day leaving a message for this department to work out my credit card debt but as of today they have not returned my call. I was given a number to a staff member who never answers the phone nor returns call therefore it makes it extremely hard to work this out and not go into collections due to the lack of assistance in getting my card situation resolved in a timely manner

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 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: NV

Complaint narrative:
I sent several emails to XXXX because they are providing incomplete and/or unverifiable information about a public record or Bankruptcy to Experian, XXXX  and XXXX 
XXXX informed that the information is verified to the 3 major credit bureaus but they havent verify that information. 
Please see the attachments as evidence and as my last request.

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 2021-07-20 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: LEXISNEXIS
State: NV

Complaint narrative:
I sent several emails to LexisNexis because they are providing incomplete and/or unverifiable information about a public record or Bankruptcy to XXXX XXXX  and XXXX 
LexisNexis informed that the information is verified to the 3 major credit bureaus but they havent verify that information. 
Please see the attachments as evidence and as my last request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have been a customer at Bank of America for years. Checking, Savings, Credit Card, and even a mortgage at one point. For years the bill pay operated in the very predictable way of debiting my payments on the date set by me ( due date ) and these payments were all made through ACH. Without any notice, BAC started sending some payments ( randomly ) by paper checks causing confusion and delays in payments ( 2 or 3 weeks ). I believe this is designed to create fee income such as NSF. I have contacted BAC multiple times and have rudely been told that " the system chooses how to send the payments in the easiest way ''. Really?! So the " system '' thinks it's easiest to send my XXXX payment by paper check and the USPS, but it then sends my XXXX XXXX and other credit card payments by ACH, as it did for years before. The " system '' also now sends my XXXX, XXXX, Utilities, and XXXX XXXX payments by paper check instead of ACH. These are large financial and service entities and the " system '' thinks it's easier to send a paper check? 

I was told to delete the accounts from bill pay and then set them up again. I did that and nothing changed. I've never changed any payment addresses or account numbers. BAC did this arbitrarily and without notice or explanation. I was also told that I needed to verify with the payees that the address was correct in order to send through ACH. I did that also and when presented that information to BAC, it was confirmed the information entered for these payees was correct. At that point, I was told they couldn't explain why some payees were being sent paper checks and that " the system '' can not be changed. Really? Because it was changed after YEARS of going through ACH to paper checks. 

BAC actually has on the bill pay site that addresses are automatically updated by payees. Great. So why did you go from ACH to paper checks without any changes being made by myself or the payee? 

Clearly, BAC is using this confusing and intentionally burdensome process to increase the possibility of a customer slipping up and causing a NSF. It's a ploy for fee income. Otherwise, why can't they offer a reasonable explanation of why this was changed for some payees and not others, and why they gave no notification of this change until it caused NSF and I had to jump through hoops to find out what happened and why. Even then I was treated with indignance and complete disregard.

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 2021-07-20 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Greetings, I filed a fraudulent dispute since last year and early this year again and both times they have denied my claims without any response to my claim or explanation. I am so tired trying to fix this issue with this company, my line of credit was XXXX dollars and now they say that my balance is XXXX dollars. This is so unjust and unfair, I was a victim of theft, fraud and the black web victim as well. I have police report and the other companies have done they part to resolve any problems that I had but yet PayPal and synchrony bank have not done anything to help instead I keep receiving disturbing phone calls from very rude workers and I had to silence my phone in order for me to get some sleep as I am a XXXX XXXX XXXX XXXX XXXX XXXX veteran with severe health issues. I have another account with synchrony and they see that I dont have any issues with this card. I need help please

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 2021-07-20 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:
not mine FCRA violations you should know law if you get ti look at it :!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Account charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$7000.00} Status Account charged off. {$5800.00} written off. {$7000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9000.00} Status Account charged off. {$8900.00} written off. {$9000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$52000.00} Status Account charged off. {$52000.00} written off. {$52000.00} past due as of XX/XX/XXXX. 


see attachments for proof of violations and evidence XXXX XXXX XXXX {$52000.00} Closed 35 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Lease Balance on XX/XX/XXXX Loan Amount {$52000.00} {$60000.00} Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$13000.00} {$16000.00} XXXX XXXX {$11000.00} Closed 29 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$11000.00} {$11000.00} attachments will show all you need to get it right see Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I PURCHASED XXXX XXXX XXXX XXXX XXXX FROM XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX OF THIS YEAR. THEY OFFERED SEVERAL FINANCE OPTIONS ; I SELECTED THE ONE THAT REQUIRED PAYMENTS OF 1.25 % OF PURCHASE PRICE AT A REDUCED 9.99 % APR UNTIL PAID IN FULL. 
THIS FINANCING WAS PROVIDED BY SYNCHRONY FINANCIAL " XXXX XXXX '', XXXX XXXX XXXX, XXXX, FL XXXX. 

I HAVE 2 ACCOUNTS : XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX THE PROBLEM IS THAT DESPITE RECEIVING EMAILS, I HAVE NOT RECEIVED ANY PAPER BILLS. THEY CAN NOT BE CONTACTED BY PHONE OR ONLINE.

I HAVE ALREADY BEEN ACCESSED A LATE FEE ON ONE ACCOUNT. 

I WANT TO RECEIVE PAPER BILLS!

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 2021-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SHM Holdings, LLC
State: OR

Complaint narrative:
Was quoted {$650.00} for appraisal fee on XXXX. When I signed XXXX XXXX XXXX XXXX it changed to {$750.00}. I followed up and lender said after they " verified '' appraisal fee it should have been {$750.00} not the original quoted {$650.00}. I paid {$750.00} for appraisal on XX/XX/XXXX. On XX/XX/XXXX they said the appraisal had changed to {$1400.00}. I emailed same day saying this was a residential property and that {$1400.00} was way out of the ballpark for those services. On XX/XX/XXXX they said they found an appraiser for {$900.00} which I also pushed back. It was my understanding that upon signing the application those items would remain unchanged unless appraisal came back too high or too low. I feel like this company is trying to extort clients by charging excessive fees after the fact.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: CA

Complaint narrative:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2021-07-20 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: GA

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
Every month I sent in two money orders for some reason PHH Mortgage do not record but one money order they put the other total in suspense, I have proof of the money orders every month for some reason they do not count but one money order, this has been going on for years, they put me in foreclosure two years ago because of the same thing they're doing, every month they say that I am missing one money order. The money orders goes to suspension they will not pull it down though it is the total of my monthly payment I need help thank you XXXXXXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLIANT CREDIT UNION
State: MN

Complaint narrative:
I was charged an annual fee in XXXX for the year ahead. Then they stopped charging the fee for this type of account and changed the terms of the cash back adding a requirement to open a checking account to get the rate. This is theft and a change to contract terms without the right to opt out. I am requesting that the fee of {$99.00} to be refunded due to my inability to benefit from the cash back program as agreed in the contract without taking on additional expense and effort on my part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Credit card or prepaid card — Store credit 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I had work done to my house and XXXX never completed the job. I filed a dispute with Wells Fargo and I explained the situation to them. They basically haven't done anything and told me that the company hasn't heard from me. I've offered to send copies of the emails that I've sent to XXXX andphonerecords. However, Well Fargo didn't want to see anything, nor help with the situation. Now Wells Fargo isn't returning any of my calls. I'm making payments on something that I haven't agreed too and contract has been broken by 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 monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I contacted the creditors who placed these inquiries and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their offices. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: MiraMed Revenue Group LLC
State: PA

Complaint narrative:
This company claiming to be MiraMed Revenue Group robocalls me from a spoofed number XXXX XXXX XXXX XXXX and left a voice mail saying to call XXXX XXXX XXXX XXXX regarding case # XXXX. The robocaller speaks so fast I had to play back the message multiple times to get the information. 

I called back the XXXX number and when they asked how they could help me, I said, " I don't know. You called me. '' The first person hung up on me. The second person claimed they were representing XXXX XXXX. I told her to send me anything in writing because all bills that I received from XXXX were paid. She refused and wanted personal information from me. I am in the midst of dealing with identity theft and do not want to give out information. I requested she send out the information she has to the address she got from XXXX, if they are truly who they say they are. The information I need is the date of service, diagnosis code, and the provider. She refused unless I confirmed my personal information ; which I don't want to give out to someone I don't know and don't do business with. 

This company should be above board and not spoof their telephone number. The caller ID should accurately say who is the company or person calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.

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 2021-07-20 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Im writing this letter to dispute the following accounts : This agency is in violation of 15 U.S.C. 1682 ( g ). They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debit. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of 15 U.S.C. 1692 ( g )

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