vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2021-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: WA

Complaint narrative:
On the PNC mortgage website, I navigated to the option for changing my automatic payments. I increased the amount I pay them from {$2000.00} a month to {$2000.00} a month. Since I've done that, they are now taking out {$4000.00} per month from my account. On XX/XX/2021 PNC took out one mortgage payment for {$2000.00} and a 2nd payment for {$2000.00}. I called them and spoke with a representative. They refunded my money via a paper check 15 days after the incident had occurred. The representative was asked to remove the automatic payments in the future of the {$2000.00}. He said this was taken care of and that I would have no further instances of this happening. However, XX/XX/2021, I had the a payment withdrawn for {$2000.00}. On XX/XX/2021 an additional {$2000.00} was taken out of my account as well. I called them and told them they need to cancel the payment or wire the money to me because I am out of town and need the money. They refused and said it must be sent through paper check, again. This was supposed to be resolved when I called them around XX/XX/XXXX but they failed to fulfill my request and are continuing to withdraw double the amount I owe on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account is showing late payments on my consumer report that were not late and according to 15 USC 1666b Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. attached is a copy of the law that indicates my consumer rights have been violated.

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 2021-08-17 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: FL

Complaint narrative:
Account is showing late payments on my consumer report that were not late and according to 15 USC 1666b Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. attached is a copy of the law that indicates my consumer rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account is showing late payments on my consumer report that were not late and according to 15 USC 1666b Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. attached is a copy of the law that indicates my consumer rights have been violated.

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 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2021-08-17 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: VA

Complaint narrative:
Please remove the extended fraud alert or any fraud alerts as I did not request anything like this on my report. I just needed stuff removed due to stuff in the past but all is well now. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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 — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
A {$3900.00} purchase was made online on XX/XX/XXXX XXXX from my apple credit card. The package was broken when I received the product so I returned All the merchandise back to the seller on XX/XX/XXXX at XXXX : XXXX and received a receipt that showing the merchandises have been returned and a refund $ {$3900.00} was issued back to my apple credit card. 


In XXXX, the credit card billing statement still charged {$3900.00}. I contacted with apple credit card customer service stating that the merchandise was returned to the seller and I have the receipt for the refund sent back to the apple credit card. Then I sent pictures of the receipt which shows the products was returned and refund was issued back to the card to the customer service specialist though email on XX/XX/XXXX and online chat on XX/XX/XXXX. I have contacted the business where the purchase was made from many times and they state that they have issued the refund back to the card. 

After that, the apple credit card continue to charge me for that {$3900.00} merchandise which has been returned. I have contacted apple credit card many times to dispute that charge but every time they close the dispute and send me the bill to ask me pay {$3900.00} for the Merchandise which I don't have. Today I called the customer service of apple card again and they hang up the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I called Citi Bank and revoked authorization for XXXX XXXX to charge my account. The following attempts were made on my account from XXXX XXXX after I called the bank. XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. I called Citi Bank again on XX/XX/XXXX after I noticed they charged me a {$34.00} fee for each attempt. I was told on XX/XX/XXXX they would freeze out the company. on XX/XX/XXXX the company tried hitting my account again. I called and was told they could see if the could refund XXXX overdraft. I filed a complaint with Citi on XX/XX/XXXX about the fees. However after MULTIPLE request to revoke authorization Citi Bank continued to let them hit my account repeatedly and charge me. I have been charged over {$400.00} in fees after I requested authorization revocation.

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 2021-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
I learned after attempting to apply for a new loan my credit score was being effect by a collections agency for XXXX XXXX for {$51.00}. ERC is the debt collection agency. 
I did not know of this debt at all it's from a disconnect in XXXX and it was sent to collections in XXXX and this is the first I have known about it. I need to clear the matter so they settled it for {$33.00} and I asked for a letter that this is paid in full and that it will be removed/deleted from my credit. They refused only saying they don't do that and that they would send a letter confirming paid in full. I'm disappointed as this hampers my opportunity to get a loan at 2.275 % now my rate will be 2.99 % just because they would not be willing to note in the letter that this would be removed from my credit. 
I am very upset this is the only report on credit. Can you help. I did pay it off today XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: SC

Complaint narrative:
I had a second mortgage home equity line of credit with XXXX XXXX. My first mortgage loan was foreclosed. I was never materially delinquent with XXXX XXXX. When XXXX got notice of the foreclosure hearing they accelerated my loan, still not delinquent. The loan balance was an amount that could easily have been converted to an unsecured loan, but they wouldn't consider it. XXXX charged off my loan. This activity is from XXXX through early XXXX. 

In early XXXX XXXX 's recovery department called me and we worked out an arrangement. I paid a third of the loan balance ( {$54000.00} ) in an {$18000.00} lump sum, I'm paying a third in installments, and once I finish paying {$18000.00} in installments XXXX  is under contract to cancel the last third. 

Even though I am timely paying the required installments, XXXX reports me as very past due on the loan. I don't see how they can report me past due when I was never seriously delinquent on the original loan, they got nervous and accelerated the loan when I was willing to keep on making regular payments, and I am fully performing the terms of the arrangement with the charge off department. I don't see how they can even call the loan part of their regular reporting portfolio when it's been charged odff. 

NOTE : this complaint is actually two complains. The original loan was joint credit with my wide, and XXXX reports her delinquent too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Midland is on my credit reporting and been negatively reporting for years on a debt thats not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: HI

Complaint narrative:
This debt appeared on my credit report. The company sent the debt to collections without my prior knowledge that I owed the debt. I reached out to the company in an attempt to resolve the issue. The company employees sent me through multiple channels over a period of a few months, none of which solved my issues. I attempted numerous times to dispute the inaccuracies through the appropriate credit bureau. Each time the dispute process was over, the company would add the debt to my credit report again, thus starting the origination date over. This prolongs the process of getting the debt removed. Furthermore, Ive reached out to the company to provide me the details of the account in order to prove the debt belongs to me, to which the company offers no response or they respond by telling me that Im not a current customer, they cant locate an account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I sent verification letters to all three bureaus and never received a response. The original letters were dated XX/XX/2021. Today is XX/XX/2021. This far exceeds any 30-45- or 60 day window the bureaus could have. The FCRA Clearly States that if the disputes are not addressed in a timely fashion ( typically 30 days ) the inaccurate items must be removed. 

Please instruct the bureaus to remove the accounts at once based on the laws. Particularly FCRA 15 US Code 1681i. It's unfair practice and hurting my ability to lead a normal life.

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 2021-08-17 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: Lending Club Corp
State: WA

Complaint narrative:
We have called several times the company directly to try and fix the information being reported to the credit but each time we tried to work with them the problem got worse and it seemed they were just un-willing to work with me to fix it. I have been working on this for the last 3 months to see what i could do to resolve any issues that existed including making additional payments if necessary to fix it. But no co-operation from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please remove the extended fraud alert or any fraud alerts as I did not request anything like this on my report. I just needed stuff removed due to stuff in the past but all is well now. Please remove it.

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 2021-08-17 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: VA

Complaint narrative:
Please remove the extended fraud alert or any fraud alerts as I did not request anything like this on my report. I just needed stuff removed due to stuff in the past but all is well now. Please remove it.

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 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: NJ

Complaint narrative:
On XX/XX/2021, I sent out paperwork to Lexis Nexis asking them to validate how and where they received information on a bankruptcy that they are reporting on my credit report.They have not sent me anything In writing as to how they validated this information they are reporting on my credit report. And the federal law requires them to respond within a 30 day window, and they are sending out consumer reports and not what I am asking for. I reached out to you guys before on another matter and to know avail. I really hope we can reach a resolution on this matter. I am only coming here because I was told this is what you guys are here for. And if they received this information thru E-OSCAR it is not legit and they will not explain to me where they are receiving it from as a consumer I have a right to know how they retrieved it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: TX

Complaint narrative:
Please note that I have made 2 attempts to resolve this issue. Experian is reporting inaccurate information ( addresses ) on my credit file and a few UNVERIFIED Accounts.

I've written multiple letters demanding these unverified information removed. 
They claim this information came from the a third party company ( XXXX  ). I have checked with XXXX  / XXXX XXXX and they both do not have these UNVERIFIED ACCOUNTS on their files. Even after all of this they keep telling me that the information is verified but they have NOT provided proof by way of documentations such as contract agreements with my signature to show that these are my actual debts.

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 2021-08-17 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
This is a follow-up to Complaint Number XXXX. 

Wells Fargo has again charged my checking account with an unauthorized telephone transfer of {$640.00}. I have written them another letter asking them to continue to investigate my previous complaint and to let them know that another fraudulent incident occurred on XX/XX/. This was the unauthorized withdrawal of {$640.00} from my checking account.

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 2021-08-17 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: CA

Complaint narrative:
im filing this complaint because I have been a victim of identity theft. I am a protected consumer and would like your assistance in removing misleading information from my credit report at it is ruining my reputation. 

attached is my identity theft report, along with supporting evidence.

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 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
Midland Credit Management has not submitted any documentation that according to the FCRA qualifies as debt validation! They are illegally furnishing data to my consumer reports!!!! 
They are in violation of 15 usc 1692g which outlines debt validation and they are also in violation of 15 usc 1681b which outline permissible purpose!!! They also have violated 15 usc 1692f which is considered by the FTC to be debt parking.

Company response to consumer: Closed with explanation