vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I contacted the debt collection agency, ARS Account Resolution, XX/XX/2022 around XXXX pm EST, asking about 4 collections that appear on my XXXX credit report. I did not know where these debts came from but I was looking to settle them because they were so low in price. The debt collector could not find 3 of the debts and didn't have any recollection of 3 of the debts. They were only able to locate one of the debts that I paid. They are scamming me. They gave me two numbers to other companies who were clueless about the debts ARS claimed I owed.

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 2022-03-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There's a late payment from XXXX from XXXX and and also over 20 inquiries on my report that I don't have any knowledge of ..I 've reached out over a month ago but no response however... I don't comply to using XXXX XXXX at all .... this is the true meaning of malpractice and slander I've been unable to do anything financially please remove this from my account asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX XXXX XXXX / XXXX / {$350000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I currently have mortgage insurance on my mortgage account. I have enough or even more than 20 % equity in my property however the current lender refuses to remove mortgage insurance of my mortgage account without making me to refinance. 
They called me to ask me to do refinance cash out since I have more than 100K equity but when I asked to remove mortgage insurance they said i dont have enough equity. 
Ive been calling and trying to reach out numerous times but they keep transfer me around and cant give information. 
They dont even give me an option to actually do an appraisal to check on the value of the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: NJ

Complaint narrative:
I previously disputed Lexis Nexis case # XXXX in XX/XX/2022 in regards to an unverified bankruptcy on my credit report. This delinquent account is also reporting on my XXXX credit report. I called LexiNexis today ( XX/XX/2022 ) and was told that the dispute was still in progress and it has been over 30 days from when I disputed it. I also have a letter from the courts stating that they do not report to credit Bureau. The federal law requires them to respond within a 30 day window and they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: WI

Complaint narrative:
In XX/XX/2020 my credit score went down from XXXX to XXXXXXXX.i checked .it said XXXX XXXX. In texas for XXXX $ .i live in wis for past XXXX yrs.i submitted all requested info and my credit went back up toXXXX .then i started to receive bills for requests for payment of XXXX $ .i ignored them.i thought it was over.in XXXX my credit went from XXXX XXXX decline.i looked up my credit there was 2 delinquent accts.1 for XXXX {$1.00} for XXXX $ both from XXXX XXXX.i called then faxed all documents requested through my social worker at the va hospital in XXXX XXXX called them the next week.they told me my file was in the fraud dept and shoul no longer be affecting my credit score.my credit score remains at 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 2022-03-24 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 reached out to all three credit bureaus TransUnion, XXXX, XXXX. I reached out to them regarding the charge off debts they were reporting i started this process XXXX XXXX. Within 30 days XXXX will send back the debt is verified and updated. I never received a response from Transunion nor XXXX. I have requested 3x for all of them to tell me how the debt was verified. I never received the information back. Which i have asked them to remove the incorrect information they are reporting because of my FCRA rights. Still no change in my report. This is hindering my character.

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 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/2022 i opened a care credit card through Synchrony bank to cover the cost of my pet 's emergency room visit. I did NOT opt in for the card security that charges you a percentage each month of your total bill in case of death or other reasons you can not pay the total bill. On XX/XX/2022 I noticed a charge on XX/XX/2022 for " Card Security '' in the amount of {$35.00}. I tried the chat feature to get it resolved and he said he could not assist. I called customer service, the first rep was unhelpful and sent me to a supervisor who was condescending and rude and transferred me to a different number who " handles '' card security, even though she was well aware they were not open. 
Once their office did open, I called and was told I opted in for this service, which I know I 100 % did NOT and then she said she would submit something canceling the service and ask for a refund, but could not confirm if or when this would happen. They do not answer your questions directly and intentionally try to confuse you. I have spoken to 4 employees over the phone, 1 via chat, and 4 messages sent via secure messaging and still have not received confirmation that I will be getting the charge refunded and have been unenrolled in a service I did not opt in in the first place. It is a scam to auto enroll a customer in a service they did not opt into and hope the customer doesn't notice the charges until it is too late. They treat you like you are the liar on the phone instead of realizing all these complaints are happening because there is either a glitch in their system that is adding this check next to the yes in error or they are just adding it without consent after the fact.

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 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION
State: CA

Complaint narrative:
I applied for a manufactured home refinance loan online with Nation 's Lending. They reached out to me after I inquired on a random website about current mortgage rates. The contact 's name is XXXX XXXX. He informed me that his company was the # 1 lender for manufactured homes. Unfortunately I applied on their website and provided all the necessary information, W2 's, copy of my current mortgage statement, tax returns, etc, I authorized a credit report. Now after XXXX weeks, he refuses to respond to my inquiries re : the status of my loan, He does not answer email, text message or return my phone calls. I am worried that their inquiry on my credit report will damage my credit. 

XXXX XXXX Nation 's Lending XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Ohio, XXXX Phone : ( 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 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
My account with PNC was closed in XXXX of 2019. Since then this account has reported inaccurate negative information on my report. I have disputed the 30 days late payment that is showing on my report multiple times and have tried reaching out to PNC and all the credit reporting agencies. PNC tells me to dispute with the bureaus and the bureaus tell me to dispute with PNC. They are giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights as a consumer : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 15 USC 1681 section 602 ( A ) states I have a right to privacy.

15 USC 1681 section 604 ( A ) section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me ( consumer ) to have anything written on my credit report and I never gave authorization for that.

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 2022-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
a couple of years ago when I cancelled my XXXX account, I made sure the equipment was returned and cancellation went into effect prior to the next bill due. During this process XXXX was in the process of being bought out or merged with Charter Communications ; I started receiving a bill from XXXX, even though everything was returned and service cancelled. I called them to let them know I had received a bill and was on hold for 20-30 minutes at which time the representative let me know I could disregard the bill. Several months later, I received another past due bill, I called again and again the representative said she would make sure the bill would be taken care of. Months went by, sometime last year I received a collection notice from Amsher Collection Services, and the following month they started calling me 2 or 3 times a day during odd hours!! I spoke to a representative from Amsher letting them know I wasn't responsible for the bill and that they were calling at XXXX disturbing my kids sleep!! They hung up on me! 2 months later I have a collections item from Amsher/Charter for {$140.00} from XXXX which I'm not responsible for! They put a collections record on my XXXX credit report . This is crazy!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX XXXX XXXX / XXXX / {$350000.00}

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 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
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: CA

Complaint narrative:
Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX XXXX XXXX / XXXX / {$350000.00}

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 2022-03-24 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: CA

Complaint narrative:
XXXX XXXX Inaccurate, must remove ( never had this accXXXX XXXX XXXX XXXXXXXX. Inaccurate, must remove ( never had this acct. ) XXXX XXXX XXXXXXXX Inaccurate, must remove ( never had this acct.XXXX XXXX XXXX Inaccurate, must remove ( never had this acctXXXX XXXX XXXX XXXX. Inaccurate, must remove ( never had this acct. XXXX XXXX Inaccurate, must remove ( never had this acct. XXXX XXXX XXXX, must remove both acct. ( never had this ACCT. )

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 2022-03-24 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: MN

Complaint narrative:
I was trying to get an XXXX loan that had to be done XXXX. I was told by my bank that needed to unfreeze my credit report with Experian. I first went to the website because I did not think I had a freeze on there ( but had one before ). It said that I did not have a freeze. I tried to turn off the freeze anyway and the site would not go through to make that happen and it did not say there was an error and the account was not froze. I spent 2 hours trying every prompt there was to get a live person on the phone and it did not work. When I said representative it said that it was not able to forward my call unless it was under certain circumstances. But it never said what circumstances. I then called Experian corporate offices in XXXX XXXX, CA and XXXX, IL. They would send me back to the phone number. When I called them back to say no there is no live person to talk to for my particular problem. They said well I can't help you. I kept calling them back hoping to get a different person to help me and then they were hanging up on me! I was not angry with them I just said it was very important and I had to have this done right away. This is very poor service and phone prompts. Sometimes it is necessary to get a live person. These companies are like the IRS, they can break you and your life and it does not matter how people are treated/helped! This needs to change. 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 explanation
Consumer complaint received 2022-03-24 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: MD

Complaint narrative:
I see on my credit report these accounts are unverifiable invalidated in accurate and very much so questionable if everything is not reporting 100 % accurate it must be removed which it is stated in the FCRA 15 US Code 1681i last time I read it the law is the same. There are inquires on my credit report that do not belong on there, according to 15 U.S.C 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) In Section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I did not authorize or give CONSENT to anyone employed by the this company to make any inquiry and view my credit report. Further more I did not GIVE any kind of instructions to report this ALLEGED inquiry on my credit file. 15 U.S.C. 1681b ( a ) ( 2 ) PERMISSBLE PURPOSE OF CONSUMER REPORTS I did not give any written permission for these companies to place inquiries on my credit report this is not right ... FDCPA Section 807 Violation Misleading False deceptive, or misleading representation or means in connection with the collection of any debt. The account must be removed!

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 2022-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Receivables Group, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I received a call from healthcare receivables stating I owed a debt, when they asked if I was who I was and what my DOB was I would not provide them that information and they would hang up. They called me once a week for about 3 months. Every time they called I asked for them to validate who they were and where they were calling from, each time they would say we cant release that information until we know its you I never once received anything in writing stating who they were or where this debt came from. On XX/XX/XXXX I sent a certified letter, a debt validation letter, asking them to send me an itemized bill along with a contract that I signed stating that I had the debt they were claiming I owed. It has been over 30 days and there has been no contact from Healthcare Receivables.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CA

Complaint narrative:
Upon reviewing of my records, the following accounts are erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX XXXX  XXXX / {$970.00} XXXXXXXX XXXX XXXX XXXX / {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Identify theft my ex kept my information use it to make a loan with XXXX he was helping me to repair my credit. 

XXXX XXXX # XXXX {$7500.00}

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 2022-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
I have received three emails over the past 2 months from Santander Bank assuming that I am a customer and directing me to login to access my account. The emails are legitimate and not spoofed. However I am NOT nor have I ever been their client. I checked my credit report for any unauthorized accounts and nothing shows up so far. I called the bank and explained the situation and they couldnt find an account either. They said to simply ignore the email which I tried after the first two messages.

This is unnerving and I consider it harassment at this point. I request that this matter be investigated and brought to a definitive conclusion so that I stop receiving these inaccurate communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES XXXX PORTFOLIO RECOVERY ASSOCIATES ATTEMPT TO COLLECT A DEBT THAT WAS ALREADY REMOVED FROM MY CREDIT. THE ORIGINAL DEBTOR REMOVED THE DEBT AFTER I EXPLAIN THAT THE AMOUNT WAS TWICE THE CREDIT LIMIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24 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: TX

Complaint narrative:
Despite having credit freeze and fraud alert, Equifax placed three hard inquires on my account on the same day. Their negligence negatively impacted my credit score. 



XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX - XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 2022

Company response to consumer: Closed with explanation