vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX Medical Data Systems company uploaded an alleged itemized bills, consent and outline for services. While reviewing the documents, there is not a signed Notice of Privacy Practices for XXXX XXXX XXXX for the services outlined in the documents uploaded for the service date. All medical documents you uploaded are for XX/XX/XXXX, HOWEVER the Notice of Privacy Practices for XXXX XXXX XXXX you all provided was for XX/XX/XXXX ( also has a different name signed than the other documents ). Please provide a Notice of Privacy Practices/XXXX to release my XXXX information to you all signed for the date of service. Please delete this information from my credit file. I am allowed under the XXXX law ( XXXX XXXX XXXX XXXX XXXX XXXXt of 1996 ) to protect my privacy and medical records from third parties. Please see a copy of the documents you provided to me from my first complaint. 

Please delete this from my credit report.

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 2021-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I received a notification from my credit report that I owed a collection bill to ARS. I was not sure who this was or what it was for. After doing research I contacted ARS and they advised that they are a collection agency for XXXX XXXX XXXX and this was for a hospital bill. I advised that I had not received notification of this and would like to know more information because to my knowledge I did not owe this amount. The person became rude so I asked that she provide me the information for me to provide to my attorney to review before I proceeded with anything. At this time I was told to have the attorney contact them and hung up on. I then contacted back and was again told that they could not speak with me if I had an attorney, I advised that I never said that I had obtained representation, I stated that I was going to ask that my attorney review the information reported for advise. I then asked the representative I was now speaking with if it was standard practice to hang up on a customer, i was not rude or vulgur, I just wanted to understand what something is not that is now affecting my credit for such a minimal amount. She began to advise me that they can not speak with someone if they have an attorney, I again asked if it was practice to hang up on someone. I have gotten no where with this company, I still do not know what I am paying for. I want documentation on what I am being charged for and if that is unable to be provided I want this removed from my bureaus.

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 2021-11-17 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hello, I opened a complaint with your agency, case # XXXX, XXXX XXXX XXXX 
I signed up for credit repair services ( The XXXX XXXX XXXX ) and IdentityIQ services to monitor the changes, TWO days ago XXXX again hit my credit report with TWO MAJOR DEROGATORY items. I asked them to help me and XXXX refused. They have hacked me and hacked me to tears, I am trying to take steps forward and they are pulling into the ocean to drown. I have XXXX they can not offer a decent refinance loan to get them away from me because they are steady HITTING my credit report. I AM DONE!!!! either they close this off my credit or I am going straight into the XXXX XXXX with a lawyer supporting me. I am sick and tired of harassment. With my salary I could not afford to pay them!! I faced more hardship in the XXXX in 62 years than the XXXX XXXX  coming into XXXX have faced and as an XXXX citizen, I CANT GET HELP AND I PAY TAXES EVERYDAY??? Really XXXX??? The XXXX XXXX wont even answer my mail, he is RICH generating XXXX of computer NUMBERS. Well I am going to call on my higher powers even take this to national television!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: IL

Complaint narrative:
I am coming straight to you because I have been the victim of your entire previous page list : I had to best choose inaccurate info because the underlying theme BEYOND XXXX breach they did not notify me about, or the XXXX application fraud I filed with FTC yesterday : the furnisher of incorrect information on 2/3 credit reports, as well as government and courts is lexis nexus. I will hand write all my disputes to them after I leave XXXX XXXX IL police dept tonight. I have had unemployment fraud, triple charges for numerous single purchases- no hotel when I show up to my air bnb with a child in Arkansas XXXX Ive had XXXX XXXX caution me against complaining to XXXX when fraud occurred. There is this attack on my reputation. 4 years of full time employment at XXXX, a professional driver- I look at my reports : all I see is employment from over 7 ago, numerous old financial marks- wrong address in XXXX NY & Wrong SS # ( XXXX ). XXXX has a phone number for XXXX XXXX NV as my contact. Every package I order comes with the wrong phone number on it, or I get charged 2-3x. XXXX had a data breach and is the only correct, XXXX XXXX report. This happened a few years ago also, all at once I dropped XXXX pts and an onslaught of claims over 7yrs old that I had to spend hours disputing. This time its just XXXX application fraud, XXXX pt drop and wrong name spelling, state, SSN, phone number And they call themselves legal aid? Lexis Nexis has furnished this incorrect information making me look like the falsely unemployed, false insurance patient with neurological doctor visits that I never had- As well as all the other falsities they have on me. What does XXXX PD have on me? What does XXXX XXXX PD have on me? Cuz they have me connected to someone who lives in both those states, 1 with a different ssn! I am afraid that I will be arrested or show up with XXXX tickets and XXXX warrants!! Or XXXX loans. They need to correct my information because they furnish the sensitive, critical personal information- why is it wrong? This is day XXXX of my life ignoring my child to deal with no pay and drama so I hope this gets straightened out and I dont get arrested at the XXXXPD tonight. I have placed a freeze on Lexis Nexis file as well as all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion customer service would not help and take care of the negative inquiries reporting to your credit report which are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: On Q Financial
State: CA

Complaint narrative:
On Q Financial has reported us XXXX days late on our mortgage. We have resumed payments after our forbearance back in XX/XX/2021 and have not missed a payment since. This has negatively impacted our credit. We are XXXX scores and are dropped down to the XXXX. Secondly we are still waiting for a final statement from XXXX XXXX regarding the closure of our forebearance as well as an updated and corrected balance. On XXXX puts us through massive phone trees when we call in and when we leave messages for higher ups we never receive a phone call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: Ashton & Weinberg, Inc.
State: MA

Complaint narrative:
A company I own had a service provided by a vendor. That vendor had an unpaid bill from my company ( ~60 days ). The vendor made no attempt to reach us to resolve the matter and utilized the services of Ashton & Weinberg to attempt to collect their debt. When reached by XXXX XXXX of Ashton & Weinberg, on XX/XX/XXXX and notified of the uncollected invoice of the vendor, the payment was immediately made by our company ( same day XX/XX/XXXX ). At the same time, Ashton & Weinberg made a hard inquiry into my personal credit information, despite the fact that this debt was for a company that I am part owner of. I have made multiple attempts to reach via phone and email to the offices of Ashton & Weinberg to ask that they remove/revoke the inquiry into my personal credit file, with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc.
State: OH

Complaint narrative:
I am in the middle of VA IRRRL refi with XXXX XXXX XXXX XXXX. 

I have a loan for an improvement on my home that is currently administered by BSI. They are requiring a subordination agreement and this is the only thing holding up the loan. They have been been work on this since early XXXX and they have made many mistakes and are dragging this process out an unreasonable amount of time. The loan with BSI does not appear on my credit report and was not recorded with the county court house. It took 2 months to get the point where they gave me a list of things needed to be done to start the subordination. 

Here are the issues : *Unresponsive to communications and requests to fix errors when sending my information to the wrong emails that don't exist. 

*Not being able to provide instructions for the subordination for 2 months. 

*Being dishonest about getting the wire transfer. I sent them a wire transfer of a {$350.00} fee on XX/XX/XXXX and they claim they didn't get it until XX/XX/XXXX. 

*Delaying the VA IRRRL process by 4 months so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am told today speaking to XXXX XXXX of XXXX XXXX XXXX at XXXX XXXX and that he received my fax of the XXXX XXXX deed and XXXX  deed that I told him each appeared to be XXXX XXXX XXXX and he agreed. Then I told him this is my loan and that I were conned by XXXX XXXX to move out around XX/XX/2008 and that one of his visits that he claim that he purchased the house for XXXX from XXXX XXXX he called the XXXX Police whom have since investigated and were produced an XXXX contract. 

I told him that XXXX is my XXXX loan and he said this is XXXX XXXX, I SAID I KNOW BUT XXXX XXXX SAYS HE BOUGHT THIS HOUSE FROM XXXX XXXX A LIE. 

XXXX XXXX was aware and I told him the one thing I have asked them for a XXXX times are the transaction and the title in which no one can produce including their attorney XXXX XXXX sent me by email that all the Judges prior decisions are the clear title. XXXX XXXX said that YES, XXXX XXXX has the clear title and we can't proceed on any transaction without clear title. I said well I been begging your clients to see the clear title and transaction and they all say that the XXXX deed is the clear title. You said the you don't agree with that and that you will mail me this evidence clear title and proof of the transaction before XX/XX/2008. I ask you could you also send copies of this to my complaints to the XXXX # XXXX and XXXX # XXXX AND YOU SAID THAT YOU WOULD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: MI

Complaint narrative:
I am told today speaking to XXXX XXXX of XXXX XXXX XXXX at XXXX XXXX and that he received my fax of the XXXX XXXX deed and XXXX  deed that I told him each appeared to be by XXXX XXXX and he agreed. Then I told him this is my loan and that I were conned by XXXX XXXX to move out around XX/XX/2008 and that one of his visits that he claim that he purchased the house for XXXX from XXXX XXXX he called the XXXX Police whom have since investigated and were produced an XXXX contract. 

I told him that XXXX is my XXXX loan and he said this is XXXX XXXX, I SAID I KNOW BUT XXXX XXXX SAYS HE BOUGHT THIS HOUSE FROM XXXX XXXX A LIE. 

Mr. XXXX was aware and I told him the one thing I have asked them for a XXXX times are the transaction and the title in which no one can produce including their attorney XXXX XXXX sent me by email that all the Judges prior decisions are the clear title. Mr. XXXX said that YES, XXXX XXXX has the clear title and we can't proceed on any transaction without clear title. I said well I been begging your clients to see the clear title and transaction and they all say that the XXXX deed is the clear title. You said the you don't agree with that and that you will mail me this evidence clear title and proof of the transaction before XX/XX/2008. I ask you could you also send copies of this to my complaints to the XXXX # XXXX and XXXX # XXXX AND YOU SAID THAT YOU WOULD.

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 2021-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pro Com Services of Illinois, Inc.
State: IL

Complaint narrative:
I received a call from Pro Com collection agency. I asked what the bill was that they were trying to collect on since I pay all bills recieved. They told me that the bill was sent to them by XXXX XXXX ( labratory billing service ) and that the bill was for a XX/XX/2019 date of service in the amount of {$44.00}. They were not able to give me an account number. I went on the XXXX XXXX of IL website and did not see a claim for that date/amount. I then called XXXX XXXX and spoke to XXXX. She said that they had never received a claim for that date/amount but that I did have a claim for that date with XXXX XXXX XXXX XXXX She then called XXXX XXXX XXXX ( who's bill was paid in full ) and was told that I had a urinalysis on that date and that they sent it to XXXX XXXX XXXX for a culture test to be performed. XXXX handles the pathology billing. She then called XXXX and spoke to XXXX ( Supervisor ). XXXX was unable to find my name or that date of service in their system and said he had to have an account number. I have tried to get XXXX to do further research and check collection files for the last few months to find this account but they do not seem willing to do so. They tell me that they will call me back, but never do. I am at a loss, I was unaware of this bill, my insurance was never billed and now neither the collection agency OR the billing company will take the steps to clear this up. I need help!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian customer service would not help and take care of the negative inquiries reporting to your credit report which are unauthorized and listed below XXXX 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 non-monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Accounts : XXXX XXXX : Account number : XXXX XXXX XXXX XXXX ( Original XXXX XXXX  ) : Account number : XXXX Inquiries : XXXX / XXXXXXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 1692a ( 4 ) - creditor, [ Proves Consumer as the original creditor ] as the consumer answers the question who created the debt? Creditor means ANY person who offers or extends credit, creating a debt or to whom a debt is owed. Also excludes alleged creditors because it does not include any person who receives an assignment Notice, it is a fact, affiant is aware, these inquiries is unauthorized and has been furnished without my consent. There was no permissable purpose and is a violation of 15 US Code 1681b ( c ) ( 1 ) ( a ) ( b ) ( i ) ( 3 ). Remove this inquiry as seen on my credit report.

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 2021-11-17 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: IL

Complaint narrative:
The credit agencies have been bullies to me long enough. XXXX dispute report id # XXXX is reporting false information concerning XXXX  XXXX act # XXXX They are reporting a high balance of {$3300.00}. I can not believe this defamation experience. Also the payment history is incorrect. 
XXXX is also falsely reporting an account by XXXX XXXX XXXX, that has false payment history. That car was never suppose to be under my name, however my ex husbands son crashed it, my insurance paid fair market value and now there reporting a false payment history that is completely destroying my credit score. Please do something about this. They reported that I made payments to XXXX, I never made a payment to student loan navient in my life. It was taken over by fed loans who govern all of my student loans. Additionally, they are reporting a bankruptcy dated XX/XX/2020, Ive requested the removal of this account numerous times stating that it was dismissed because of the timing in which it was filed. They still would not remove this. Only you guys are able to help. XXXX also reports a false address that I have requested more than two years to be removed under XXXX XXXX XXXX XXXX, IL. XXXX and Equifax are reporting false information and I believe that this company is the only company that can make them do what they are suppose to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: TN

Complaint narrative:
Sallie Mae has been constantly calling and emailing regarding my student loans that are supposed to be in deferment until XX/XX/2022. They have also been charging me interest the entire time they were supposed to not be during the deferment. I've tried calling with no answer just a message services and emailing with no response. And today the website is down so I can not even look at the loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I continue to 2nd time as of XX/XX/2021 sent verification of this alleged debt but this company continue to reply that I need to send verification to them to update whatever they assumed I owe. XXXX is allowing these companies to furnish false, theft and misleading information hurting the consumer. 

XXXX they sent a response saying verify some information so we can match our records. this sound like fraud to me. if the account and information is not aligning with the government and state laws then removal should be timely forced.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently noticed a fraudulent account that was removed has been reinserted and is being furnished on my credit report. 
The account is being furnished by " XXXX XXXX '' Opened XX/XX/2017 {$190.00} balance Equifax is in violation of 15 USC 1681c ( a ) ( 6 ) ( a ) ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : " ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance. '' Equifax is also civilly liable for willful noncompliance and negligent noncompliance. 15 USC 1681n and 1681o.

Company response to consumer: Closed with explanation