vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stern Recovery Services, Inc.
State: SC

Complaint narrative:
STERN RECOVERY SERVICE a collection agency has placed a derogatory account on my credit reports THAT I HAVE NO KNOWLEDGE OF. they are attempting to collect on an alleged debt in the amount of {$310.00} for their client : XXXX XXXX. 

I never received a notice from XXXX that they were collecting on a alleged debt from XXXX XXXX. I was never given my right as a consumer which is federal law the opportunity to dispute this debt nor was i ever allowed to request validation of this alleged debt they just place this unknown / invalidated information on my reports as if it were valid when in fact it is not. This is a direct violation pursuant to the FCRA, FDCPA, and the Fair Credit Billing Act ... ... and possibly the HIPAA Act Additionally, North Carolina Courts allow for reasonable time to investigate into the facts regarding validation of a debt ... .reasonable time that I was never allowed

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 2020-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NC

Complaint narrative:
I tookna look at my report and there they were. A Unknow company named HARRIS & HARRIS, I was puzzled because of where they were located. The credit report had no phone number or account number i XXXX them address match. I called them i inquired about this unknow debt. I gave him my information they did not have me in their system by name ss phone address nothing. I asked the man how was it they were on my credit report he did not have a answer. He appologised asked me to call the credit bureau to get it deleted. XXXX sgould not allow some strange company to put a debt onnmy report with no due process i never eecieved a letter from them accusing me. I never got my 30 days to rebutt, thats unlawful. They are attorneys they should know about due process. When they buy these fraudulent fake debts they figure due process doesnt apply when trying to get paid. I got news, i want all the protections the law allots me. I do not consent and i want this resolved asap or i will seek remedies that has been put in place to protect us from predators like HARRIS AND HARRIS AND ENABLERS LIKE XXXX. Violating the privacy act, FCRA, FDCPA. I never signed a hipaa release form for any 3rd party to see my medical records. This fraud inaccurate False so called debt is hurting me my family in a pandemic. Send me the contract i signed with you consenting to doing business with you. No contract no debt.Delete this off my report within 30 days per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello! 

The credit bureaus have responded that I must verify my identity but I have been calling countless times for them to explain to me in more detail how I should proceed and they leave me several minutes on the line waiting and they do not answer me. They are affecting my credit with erroneous information and on top of that they play with my time making me wait and then not solve anything. I want them to immediately open an investigation with my disputes since it has only been me who has been sending 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 explanation
Consumer complaint received 2020-12-05 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I tried to get a home loan on or around the month of XX/XX/2019 in doing so the lender informed me that I am not receiving a credit report from equifax. Equifax informed me that there is fraud alert but says my answers to access the account is not accurate. To resolve this they told me to mail over a copy of my social security card, drivers license and a cover letter of what I wish to be accomplished in doing so twice they said they never received the documents to this day it still has not been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CARD Corporation
State: PA

Complaint narrative:
I am contacting y'all back about XX/XX/XXXX in the amount of {$69.00} and XX/XX/XXXX for my disputes for XXXX that need to be reopened I had contacted last week and they told me they can't refund the card if they do it might be billed a fee because the payments are old and they say they will send me a check in the mail but I never got them checks in the mail from them I been calling the manager and emailing him or her and he or she is not calling me or email me back and I want y'all to reopen the dispute and credit back both payments for me and I got proof by a XX/XX/XXXXcase from them saying my service was canceled and they refunded me but I did not get my refund in the mail and I been waiting a whole week now and I want both payments to be credit back on the card for me. XXXX XXXX XX/XX/XXXX Mid-South XX/XX/XXXX CASE # XXXX To whom it may concern, Thank you for bringing this situation to our attention. I have talked with the customer and informed her that we are addressing her refund. We will refund her for the charges that were made to her credit card on XX/XX/XXXX in the amount of {$69.00} and XX/XX/XXXX in the amount of {$110.00}. For a total refund of {$180.00} for the service was that she canceled on XX/XX/XXXX. If there are any further questions or concerns, please do not hesitate to contact me. Sincerely, XXXX XXXX XXXX Branch ManagerXX/XX/XXXX XXXX E-mail : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello! 

The credit bureaus have responded that I must verify my identity but I have been calling countless times for them to explain to me in more detail how I should proceed and they leave me several minutes on the line waiting and they do not answer me. They are affecting my credit with erroneous information and on top of that they play with my time making me wait and then not solve anything. I want them to immediately open an investigation with my disputes since it has only been me who has been sending 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 explanation
Consumer complaint received 2020-12-05 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello! 

The credit bureaus have responded that I must verify my identity but I have been calling countless times for them to explain to me in more detail how I should proceed and they leave me several minutes on the line waiting and they do not answer me. They are affecting my credit with erroneous information and on top of that they play with my time making me wait and then not solve anything. I want them to immediately open an investigation with my disputes since it has only been me who has been sending letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc.
State: MA

Complaint narrative:
The company has failed to validated information to collect a debt. Request the company to remove the debt from all three credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: American Credit Acceptance, LLC
State: NC

Complaint narrative:
I have tried to fix this problem several times with ACA. they have a inquiry on my report on XX/XX/2020 to mu knowledge i didnt give them permossion. When i realized it i reached out thinking this company is upholding the law. I quickly found out otherwise. I did my research many complaints paints them as a bottom feeder type company. They had no permissible purpose. The answer to my question of validation and verification when raised is that. Another company sent over my name and social seeking credit on my behalf.Why would i go to a 3rd party to obtain more inquiries when i can go to them mysel? I never allow anyone to do for me what i can do for myself. ACA believes by brushing me off they will rid themselves of me. No i will not go away until this fraudulent act is justified. I intend to seek remedies that has been set forth to help us from predators like this. I have no knowledge of this i believe the burden of proof is on them to prove that is actually did that. I've been waiting for a answer to no avail. I called them on The phone, they diverted me to their website. I went to website, no place to dispute anything. This inquiry is not mine. I do not want the generic answer which i will attach to this complaint. The generic answer in response to validation and verification with wet ink signature. Dont i have the right to ask that? Being as though 60 % + credit reports have errors fraud or mistakes. I want proof from your company ACA AND I WANT PROOF FROM TRANSUNION ON WHY THEY ALLOW THIS UNETHICAL COMPANY TO HURT GOOD PEOPLES LIVES THAT WORKS HARD? IT'S A SHAME! A SCAM!. IF I GO TO ONE COMPANY THEY CAN ALL SHARE MY INFORMATION WITHOUT MY CONSENT? AND IF NOT WHY WHEN I POINT IT OUT IT'S NOT IMMEDIATELY CORRECTED IF ACA AND XX/XX/XXXX IS HERE TO REPORT ACCURATE DATA?

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 2020-12-05 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2020-12-05 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2020-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
Dear Sir/Madam, Good morning! Last month I have paid the full balance of {$4000.00} for my CHASE freedom credit card! But this month I got the statement that I had " PURCHASE '' of {$96.00} in my current statement? Actually it is credit Balance refund. What's more, CHASE COMPANY charge me the INSTEREST CHARGE OF {$24.00} in this month. That is really funny. 

On XX/XX/2020, I paid the full balance for my account with my BOA debit card, and I got the confirmation email from CHASE. But CHASE company RETURNED my payment on purpose, and charged me interest of {$89.00} ( interest charges of {$59.00}, {$17.00} and {$12.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX respectively. I am sure that Nothing wrong with my BOA account. 

I am really appreciated for your nice consideration and help! XXXX bless you! 
Best regards, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-05 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
billing statement wasn't received or wasn't received in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: SC

Complaint narrative:
PHOENIX FINANCIAL SERVICE is attempting to collect on an alleged debt in the amount of {$1800.00} for their client : XXXX XXXX XXXX XXXX XXXX ... ... a medical bill. 

A medical bill that I have no knowledge of. I never received any written notification of my rights to dispute and /or request validation of this alleged debt, they just placed this invalid information onto my credit report without due process ... .process to include my rights pursuant to the FCRA, FDCPA and the Fair Credit Billing Act. This agency is in violation of these federal laws. 

PFS has placed this derogatory information on my credit report as valid when in fact it has not been validated at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
SEQUIUM ASSET SOLUTIONS a collection agency is attempting to collect on an alleged debt in the amount of {$280.00} for their client : XX/XX/XXXX. I have no knowledge of this account and never received written notification from SAS prior to them placing this invald information on my credit reports without due process ... .process XXXX include my rights as a consumer pursuant to the FCRA , FDCPA and the Fair Credit Billing Act. As well as the HIPAA Act I never received written notice of this alleged debt nor did I receive a notice of right to dispute which is my rights as a consumer under federal law. And agency has placed derogatory information on my reports as valid when in fact it was never validated is being mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been trying to apply for a mortgage loan, and i have three accounts in collections that have a dispute remark saying consumer disputes this account information. These dispute remarks on my credit report is interfering with the mortgage loan process. I have called Equifax, XX/XX/XXXX and XX/XX/XXXX multiple different times about having these dispute remarks deleted from my credit report. They would tell me it is completed, and i would check my credit report, and they are removed. Then i would receive a notification saying that the dispute remarks are back on my credit report. This has been going on for the past four months. I would call the credit bureaus back and they would say the collection agencies are the one that keep reporting the dispute back onto my credit report. I have called and talked with the collections agencies and they say i am not in a dispute status on any of my accounts nor did they see they are still reporting a dispute remark. 

I started to call the credit bureaus XX/XX/2020 and I recently just called on XX/XX/2020. 

These are the three collection accounts : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Original Creditor : XXXX XX/XX/XXXXXXXX Balance : {$730.00} XXXX XXXX XXXX Original Creditor : XXXX XX/XX/XXXX XXXX Balance : {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
1 ) Nationstar Mortgage LLC d/b/a as Mr. Cooper, the mortgage servicer, lost XX/XX/XXXX payment and refuses to admit it. Please see following : XXXX XXXX billing statement, USPS receipt and Certified Mail ; signed and postmarked Certified Mail ; Return Receipt Requested green card ; copy of XX/XX/ most recent letter to servicer again explaining situation. 

2 ) Further, on XX/XX/, Nationstar sent me a Escrow Review Statement showing a shortgage after the XXXX payment of the 2nd installment of XXXX taxes of {$1200.00} when, in reality there was an excess after their XXXX payment and they want to increase the monthly tax escrow deposits in an amount to accumulate an excess of {$1500.00} or 16.7 %. This should be considered excessive. ( See XX/XX/ letter. ) Copies of the Escrow Review Statement and my, separate analysis indicating a lower monthly tax escrow deposit also follow. Home owner 's insurance premiums are paid directly by me and are not included in the escrow. The policy is current. 

Instead of resolving this problem, Nationstar has notified me that it has sold the rights to service my mortgage to XXXX XXXX XXXX XXXX XXXX of XXXX XXXX,XX/XX/XXXXUT effective XX/XX/2020. I expect trying to resolve these issues with a new servicer will be nearly impossible, especially the lost payment which XXXX XXXX XXXX does not have in their possession, and would require an extensive amount of time. In the meanwhile, they may be likely to report late payment to the credit bureaus. 

There are 8 pages of attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
My newly bought vehicle was stolen and insurance paid off the remaining balance that was indicated by the loan comopany " XXXX '' After it was paid off, XXXX contacted me to collect XXXX Dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I transferred XXXX on XXXX/XXXX/XX/XX/XXXX At XXXX pm to XXXX account XXXX and XXXX told Goldman Sachs USA that they did not see it, with me on the same line. They then said I didnt have it after they got caught and I said yes I did I told them my balance and he then agreed and hung up on me. They told me they sent the transfer and then stole it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
XXXX I paid off the balance of {$270.00}. I was called rude the rep refuse to provide me with his name and he refused to transfer me to a supervisor. Also, this debt is falsely being reported on my credit monthly as late starting in XXXX of this year. But when I spoke to a representative I was told last contact with me was made in XXXX ofXX/XX/XXXX They have been falsely reporting on time payments, then falsely reported me as late monthly. This has effected my getting qualified for a home loan. I paid it because I was advised by a potential leander to do so but I was treated very bad in the process. I also disputed this debt twice. They also told me 3 different names so that made it difficult for me to pinpoint what school they was collecting on.

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