vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
Upon doing research on my credit report, it appears that ARS is reporting 2 collections under my name for act # XXXX and # XXXX. I've contacted this company multiple times on numerous occasions for validation and they are not responding to me. I have never done business with them, and I do not have a signed contract. I have the right to demand to see a signed contract between ARS and myself. I have never received any correspondence from this company to give me time to validate my debt and this company has failed to respond to any of my letters that I sent out to them. The mentioned accounts are from XX/XX/XXXX for {$1900.00} and the other is from XX/XX/XXXX for {$880.00}. Because this company failed to follow the law the mentioned accounts need to be removed from my report at all credit reporting agencies.

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 2021-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
On XXXX Consumer Adjustment Co inc. aka CACi, responded to my complaint against their criminal fraudulent practices which has resulted in negative impact to my credit reports by falsely claiming that they had requested the credit bureaus to remove the Odious Debt Collection from my credit report with the caveat that it may take up to 30 days. This is a bold lie on their part, as the odious debt collection was initially removed less than 2 weeks ago only to again be added back to my credit report this week by CACi. Furthermore, CACi, sent my an encrypted email with specious documentation which they submitted as legal validation of the odious debt collection. The documents submitted provided absolutely no substantiation that I was legally obligated to pay the alleged debt or that the debt in question was ever even mine. The " validation documentation '' submitted by CACi, was no more than a series of meaningless images of various medical affiliations and an invoice billing me for the amount they alone claim I owe with a statement that as a result of their own investigation they have determined that the amount they claim against me is valid. In short, the documents were completely meaningless, providing no legal validation as demanded by me of the odious debt collection CACi has fraudulently placed on my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was scammed for {$400.00} on XX/XX/XXXX. I saw this when chase sent me a message that my account was lower than {$100.00}. I checked the app and {$400.00} was missing and sent to a random person. I called customer service and they were extremely rude. People hung up on me and told me I made this charge based on logging into my account. The next few days I see a charge of {$1000.00} as well as a check my job gave me reversed. I called several times and no one is helping me at all to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
SunTrust denied a deposit from my XXXX federal account in the amount of XXXX. This deposit was made in order to cover a XXXX charge that was pending. SunTrust denied the deposit, and charged me XXXX overdraft fee for the XXXX charge. I later learned that they were having online banking issues due to the merger with BB & T. I called customer service multiple times and no one would help. I was transferred to a supervisor who hung up on me. I should not have to pay for their system errors. If they has accepted my XXXX deposit there would have never been an overdraft fee. I now have two XXXX overdraft fees, leaving my account XXXX cent. I have been a customer for XXXX plus years, and this is what they do to their loyal customers. This is systematic Classism! I am a single mom working 3 jobs just to care for my family 's " basic needs and they can get away with stealing my money. My daughter needs XXXX, but I'm sure no-one cares, that XXXX SunTrust stole could pay for it. We obviously are not rich enough for anyone to care.

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 2021-10-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In early XXXX I sent a letter to XXXX XXXX XXXX XXXX asking for validation and verification. They have not done that to this date far beyond the allowed time frame. I notified reporting bureaus of failure to validate and when told by reporting agencies the account was valid I asked for proof of validity/ method of verification in XXXX. They have not done this to this date, way past the time allocated. I put in a complaint about this yesterday, the account is not valid, and violates the time restraints outlined in the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
We requested mortgage forbearance from PennyMac on XX/XX/XXXX and recieved a notice of acceptance that stated we would not have to pay back the full amount owed at the end of the forbearance and that there would be several options such as defferal, modification etc. We renewed the forbearance for 15 months and requested the final three months ( that according to the cares act we were entitled to ) and that last forebearance was denied. We received a notice that our forbearance was ending XX/XX/XXXX. We called and asked what our options were and PennyMac offered a modification. We filled out the paperwork for the mod on XX/XX/XXXX and were sent a notice on XX/XX/XXXX that we were denied the modification due to not completing our last modification. We call in XXXX and XXXX speaking with different people asking for another way to resume payments and come out of forbearance but were told there is nothing they could do. This was never mentioned in the first or any successive forbearance updates. In XX/XX/XXXX we received a notice of default and intent to accelerate demanding 22 months of payments equaling {$73000.00} by XX/XX/XXXX or risk foreclosure proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: GA

Complaint narrative:
Equifax reported/posted fraudulent inquiry on XXXX from XXXX XXXX XXXX Equifax reported/posted fraudulent inquiry on XXXX from XXXX XXXX XXXX XXXX  XXXX reported/posted fraudulent inquiry on XXXX from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: AR

Complaint narrative:
We went trough a GRUELING process with quicken loans via Rocket Mortgage. Gave them ALL financial data, Bank access, taxes, numerous pay stubs, getting fees together and dealing with the stress of them messing with us. During this process early on we found that one of our credit card companies had miss-reported to our credit that we had an account that was not paid and closed when it was. I had this fixed back in XXXX. In XXXX. The min requirement for our credit score came up and we were pre approved. Now 2 ot 3 days before closing, now one day, they come at us saying there are issues, they couldn't verify my employment, so I had my boss call. Submitted another pay stub. Now they are trying to bait and switch us to a different loan despite my credit score being higher as they say that is invalid and we now need 20 % down and they cant do the FHA loan. This is a clear bait and switch and very corrupt and obviously not legal. We have been struggling to figure out why they hit our credit report so many times making it lower in the first place but now its still in the 700s mortgage score and well over 700 basic score, ( a bunch of XXXX as well ), and now it has become clear. They never had any intention of helping us with the FHA loan in the first place and wanted to force our hand into coming up with more than XXXX of more money for them to take. This is immoral and they need to be sanctioned and fined heavily. They are rude on the phone and very unhelpful and this is our next step in getting assistance with these big companies taking advantage of hardworking middle class familys.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX {$150000.00} requested transfer to local XXXX XXXX, at which time Chase Bank froze the account and has been virtually impossible to contact or deal with. Not to mention very rude, discourteous, and even disconnecting phone conversations .To this date of XX/XX/XXXX, have been unable to resolve.Our attorney and banking representatives that we do business with have advised and stated Chase bank has no legal rite to do what they're doing.They were supplied with documentation needed to proceed.This was an account that I was The second signature and the individual that was the first signature passed. Death certificate, copy of will given to no avail.Attorney commented that it wasn't necessary as I was clearly second signature and owner of the account to dispose of as I wish.I feel totally helpless and severely discriminated as a Veteran to have this banking company to be able to have this type of control without a resource for solution for any individual doing business with them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I went to XXXX department store on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX on XX/XX/2021 and once I got to the register I was asked if I wanted to sign up for a store card I first said no and the cashier insisted that she did not need to run my credit and stated that she only needed to run my ID card.I then agreed and was was prompted to type in my Social security number on the keypad I then refused and told the cashier to please take my information off the screen and she then agreed and turned the keypad towards her and started to type and I instantly got a notification from XXXX XXXX saying I had an hard inquiry on my credit.I then demanded to speak with the manager and after a discussion we agreed upon that the cashier put in a bogus Social security number to complete the application for the store card. The store manager then gave me the credit card company number and when I called they also confirmed that someone put in a bogus social security number and they only needed the contents on my ID to complete the application and it was nothing they could do to help me get the inquiry off my credit so now I am reaching out to you for help after I called my lawyer and he advised me to reach out to you guys because it is a tragic blow to my living situation because for the last 3 years Ive been building my credit consistently to purchase my very own home and this has been a huge setback please help.

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 2021-10-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have called and spoke with all three consumer reporting agencies about this account with grain reporting inaccurately. The company mistakenly reported A late payment & emailed and advised the late payment would be removed and it has not been removed as of yet. The balance is also reflecting XXXX and the balance is XXXX. I have attached both the letter reflecting the balance is XXXX & the email stating they agreed the late payment was in error and should have been removed. I am in the process of purchasing a home and this is effecting my closing date and I have called and have had no luck getting this resolved with the three consumer reporting agencies. I was informed by grain the reporting agency may not reflect until XXXX however, I submitted the dispute to have them verify the correct information now as I can not wait another month while inaccurate info is still being reported. The disputes came back valid and was not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: NC

Complaint narrative:
On XX/XX/XXXX I files a Complaint # XXXX with CFPB against TransUnion for incorrectly reporting an alleged Bankruptcy Case # XXXX ( XXXX ) dated XXXX, XXXX on my personal credit report. TransUnion has responded back with false information verified being false by the attached document provided directly by the 3rd Party vendor, XXXX, that they use to provide them with the reported information as the US Bankruptcy Court does not report nor verify directly any Bankruptcy proceedings. On the same dated I also filed Complaint # XXXX against XXXX for them supplying that information as the 3rd Party vendor to TransUnion. TransUnion responded back claiming that they verified the Bankruptcy information as correct with XXXX. However as documentation directly from XXXX dated XX/XX/XXXX clearly states they removed the incorrect reporting of Bankruptcy # XXXX from their files related to me and verified that they are no longer showing any bankruptcy in my name.

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 2021-10-28 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: TX

Complaint narrative:
I have called and spoke with all three consumer reporting agencies about this account with grain reporting inaccurately. The company mistakenly reported A late payment & emailed and advised the late payment would be removed and it has not been removed as of yet. The balance is also reflecting XXXX and the balance is XXXX. I have attached both the letter reflecting the balance is XXXX & the email stating they agreed the late payment was in error and should have been removed. I am in the process of purchasing a home and this is effecting my closing date and I have called and have had no luck getting this resolved with the three consumer reporting agencies. I was informed by grain the reporting agency may not reflect until XXXX however, I submitted the dispute to have them verify the correct information now as I can not wait another month while inaccurate info is still being reported. The disputes came back valid and was not corrected.

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 2021-10-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have called and spoke with all three consumer reporting agencies about this account with grain reporting inaccurately. The company mistakenly reported A late payment & emailed and advised the late payment would be removed and it has not been removed as of yet. The balance is also reflecting XXXX and the balance is XXXX. I have attached both the letter reflecting the balance is XXXX & the email stating they agreed the late payment was in error and should have been removed. I am in the process of purchasing a home and this is effecting my closing date and I have called and have had no luck getting this resolved with the three consumer reporting agencies. I was informed by grain the reporting agency may not reflect until XXXX however, I submitted the dispute to have them verify the correct information now as I can not wait another month while inaccurate info is still being reported. The disputes came back valid and was not corrected.

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 2021-10-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I files a Complaint # XXXX with CFPB against Experian for incorrectly reporting an alleged Bankruptcy Case # XXXX ( XXXX ) dated XX/XX/XXXX on my personal credit report. Experian has responded back with false information verified being false by the attached document provided directly by the 3rd Party vendor, XXXX, that they use to provide them with the reported information as the US Bankruptcy Court does not report nor verify directly any Bankruptcy proceedings. On the same dated I also filed Complaint # XXXX against XXXX for them supplying that information as the 3rd Party vendor to Experian. Experian responded back claiming that they verified the Bankruptcy information as correct with XXXX. However as documentation directly from XXXX dated XX/XX/XXXX clearly states they removed the incorrect reporting of Bankruptcy # XXXX from their files related to me and verified that they are no longer showing any bankruptcy in my name.

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 2021-10-28 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I found out in XX/XX/XXXX that a collections account was added to my credit report. When I looked at my credit report, I found that it was from a medical office. I never received any correspondence or phone call from the medical office or the collections agency that this bill existed. My credit is ( was ) perfect and I always pay my bills on time, so I was shocked when this showed up. 
I reviewed and followed the procedures on the CFPB web site and sent ( via certified mail ) a debt verification letter to the collections agency asking them for a debt validation letter. I waited 30 days past the date the letter was delivered after never receiving a response. 
I then proceeded to send all 3 credit bureaus a copy of the debt verification letter, a statement about what occurred ( that I was never contacted ), and under the Fair Debt Collection Practices Act, requested that they remove the collection account from my report. 
I called Experian on XX/XX/XXXX asking if they received my letter. They had not. When I explained what happened, they said they need to initiate their own dispute and reach out to the creditor to verify it themselves because they couldn't trust what I did. I told them not to do that. 
I then received an alert the next day that a dispute was created. I called Experian and they said they received my paperwork, but needed to open a dispute, because again, more or less, my proof can't be trusted. I asked them to remove the dispute. I know the difference between disputing and removing. 
Meanwhile, XXXX removed the collection from my account, no problem. I know Experian is not following the proper procedures for this situation and I did what I needed to do.

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 2021-10-28 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: FL

Complaint narrative:
I am a victim of identity theft, I have had several other vehicles and credit accounts removed from my credit. XXXX is refusing to allow the removal of this fraudulent debt. 

The dispute for the account with XXXX XXXX XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

I want to see what they are claiming is certified proof-

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