vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-25 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: TX

Complaint narrative:
Equifax is always problematic. There is always an issue with online freezing and unfreezing credit. XXXX   and XXXX are quick and easy. Every time we have tried to freeze the account with equifax there has been an issue and we have to call. Their online freeze has never worked. Today there site is completely unaccessible. We are trying to do an unfreeze. Equifax always gives us problems and treats us like we are subordinates when we call. My wife was in XXXX XXXX last time we tried and they allowed me to upload the power of attorney my wife had left me but told me it would take about a week to 10 days for them to be able to honor it. We weren't able to do the online freeze. They also would not allow me to connect a call with my wife to avoid the high cost of calling from XXXX XXXX. We finally got the freeze by calling after my wife got back from XXXX XXXX, but it was an arduous headache. They told us that my wife 's account had mysteriously been associated with the SSN of a dead person. HOW!?! The other 2 bureaus had the SSN correct. We answered their security questions correctly! We called the social security administration and they told us there was no such issue! Equifax goofed the SSN on their own. TODAY : their site is unavailable and we don't want to have anything to do with them anymore. We are considering freezing with just the other 2 bureaus and leaving equifax open ( IF AND WHEN WE CAN EVER REACH THEM ). We have tried for over an hour now and we get the same attached error. Every other site pulls up instantly. The other two bureaus and every other search we try. We even XXXX  and tried clicking every other equifax link in the search results. I am sure that in response to this complaint Equifax will give you scintillating tales of how they have a fabulous response time and this is strange news to them. Perhaps they will say that it was a XXXX day update. Is this compliance with the 1 hour rule? Is their God-complex what you want your friends and loved ones to be subjected to? What angers me the most is that as consumers, we have absolutely no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed a debt collection on my credit report several times now. The company is XXXX  XXXX and it has shown up on all 3 of my credit reports intermittently. The credit reporting agency will have it removed and then it will show up again. It is for approximately {$300.00}. I have both spoken to this company, which can not verify that its a valid debt, they tell me who the original creditor is, and Ive called them and been to their offices recently and they do not have any record of me owing them money. In fact, if I owed money, they wouldnt have seen me that day. It appears this XXXX  XXXX keeps showing up on each of my credit bureau reports because they keep reporting different account numbers each time. When the reporting agency confirms its not valid, the debt collection company just changes the number so it can be reported again. This is unethical and illegal, I do not owe this company money and I demand this company purge whatever record they have of me and my information and stop reporting wrong info to my credit bureau reports.

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 2019-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
this account does not belong to me, details belowe TRANSWORLD SYSTEMS INC Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XX/XX/XXXX Status UNPAID date Delinquency XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed a debt collection on my credit report several times now. The company is XXXX XXXX and it has shown up on all 3 of my credit reports intermittently. The credit reporting agency will have it removed and then it will show up again. It is for approximately {$300.00}. I have both spoken to this company, which can not verify that its a valid debt, they tell me who the original creditor is, and Ive called them and been to their offices recently and they do not have any record of me owing them money. In fact, if I owed money, they wouldnt have seen me that day. It appears this XXXX  XXXX keeps showing up on each of my credit bureau reports because they keep reporting different account numbers each time. When the reporting agency confirms its not valid, the debt collection company just changes the number so it can be reported again. This is unethical and illegal, I do not owe this company money and I demand this company purge whatever record they have of me and my information and stop reporting wrong info to my credit bureau reports.

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 2019-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I have disputed a debt collection on my credit report several times now. The company is AR Resources and it has shown up on all 3 of my credit reports intermittently. The credit reporting agency will have it removed and then it will show up again. It is for approximately {$300.00}. I have both spoken to this company, which can not verify that its a valid debt, they tell me who the original creditor is, and Ive called them and been to their offices recently and they do not have any record of me owing them money. In fact, if I owed money, they wouldnt have seen me that day. It appears this AR Resources keeps showing up on each of my credit bureau reports because they keep reporting different account numbers each time. When the reporting agency confirms its not valid, the debt collection company just changes the number so it can be reported again. This is unethical and illegal, I do not owe this company money and I demand this company purge whatever record they have of me and my information and stop reporting wrong info to my credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/19 I spoke to XXXX ID # XXXX from Barclay Bank informing them the account opened was fraud. I was told not to worry the account is closed and their fraudulent department was notified. On XX/XX/19 I received a credit card in the mail # XXXX, I spoke to XXXX who apologized and sent me an email confirming the account was closed. Today XX/XX/19 I spoke to XXXX who could not explain why another credit card was issued # XXXX and once again stating this account is closed. 

I have no faith in Barclays Bank and asking for your help in this matter. 

Please do not hesitate to contact me. 

Your help in this matter is greatly appreciated. 

Sincerely,

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 2019-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONLINE Information Services, Inc.
State: PA

Complaint narrative:
Online Information Services placed eight accounts from XXXX XXXX XXXX on my credit report without ever contacting me to verify the bills. They used really old contact information and the wrong policy number. I called them ( XXXX ) and told her about the mistakes to which she replied ( XXXX ) that contacting me was a " courtesy '' and she was under no obligation to contact me prior to putting the accounts on my credit report. Hence, I was never contacted. Then, in a letter from the provider sent me dated XX/XX/XXXX, all charges where XXXX  out. Still, the collection items appear on my credit report ( XXXX XXXX and XXXX. ) In addition, XXXX XXXX placed three old collection items on my credit reports from yet another XXXX XXXX, XXXX XXXX. These bills dated back to XXXX and XXXX. Again they had incorrect contact info and policy info. I called their Patient Advocacy number, XXXX on XX/XX/XXXX and was told= verbally that they would remove the bills from the credit bureaus. They, too, still appear on my credit report. 

In XXXX, the same thing happened with another XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Once again, they used the wrong policy number and contact information. I filed a lawsuit because they destroy my credit and just reaches a settlement with all parties involved. Once again these new incorrect items are on my credit reports and my credit has taken another hit. 

I believe that there is something wrong with how XXXX XXXX are conducting their billing and collection efforts. Three separate XXXX XXXX, all billing when I was inpatient, all had the wrong policy and collection information. What makes this especially suspicious is that since I was inpatient, all providers should have gotten billing information from the information given at the time of admission. During my three hospitalization ALL OTHER PROVIDERS got the correct information that was sent to the insurance company. Because I am XXXX XXXX, at least 90 % of the bills would have been paid in full because I almost always reached my out of pocket maximum in the first quarter of the year. 
Please let me know what needs to be done to rectify this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX, Apple/Goldman Sachs restricted my Apple Card account. I contacted Apple Card Support via Goldman Sachs. The representative told me that my account is under review and that someone will get back to me, but no timeframe is available. However, I did not even start using the card yet. I had just gotten approved for it 2 days prior. There are absolutely no transactions to be reviewed. I was also never given a reason for the review. I can't even start using my Apple Card until it is unrestricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Southwest Business Corporation
State: TX

Complaint narrative:
The necessary TILA Reg. Z form H-8 Right to Rescind and H-9 Recission Refinancing w Original Creditor were not including at my closing with SWBC mortgage corporation. The mortgage was refinanced with no cash out. XXXX XXXX XXXX allegedly purchased the mortgage but can not validate the note or provide the original promissory note. XXXX XXXX have been unjustly been enriching themselves by foreclosing on my property and securtizing the note. UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF TEXAS XXXX DIVISION No. XXXX and Case No. XXXX XXXX  County Justice of the Peace Precint XXXX, Place 1 Loan No. XXXX   VA File No. XXXX  Mortgage Insurance Case No. XXXX  Borrower- XXXX XXXX XXXX Lender- SWBC Mortgage, XXXX XXXX XXXX XXXX XXXX, Texas XXXX  Property Location- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Settlement Date : XX/XX/2010 My family have been thrown out of our homes at the threat of physical violence by XXXX  County Pct XXXX  with an invalid court order. The FBI were notified of this unlawful and illegal action but failed to investigate.

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 2019-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc.
State: AR

Complaint narrative:
ONCE AGAIN XXXX  IS THE ONLY BUREAUS INACCURATELY REPORTING 4 RETAIL CREDIT CARDS, NOT INSTATLMENT LOAN TYPE AND THESE 4 ARE OPEN AND NOT IN BK.SEE ATTACHED.XXXXOLONY BRANDS/GINNYS NO.XXXX-SWISS COLONY  XXXX, AND XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc.
State: AR

Complaint narrative:
ONCE AGAIN XXXX  IS THE ONLY BUREAUS INACCURATELY REPORTING 4 RETAIL CREDIT CARDS, NOT INSTATLMENT LOAN TYPE AND THESE 4 ARE OPEN AND NOT IN BK.SEE ATTACHED.COLONY BRANDS/GINNYS NO.XXXX-SWISS COLONY XXXX, AND XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
ONCE AGAIN EXPERIAN IS THE ONLY BUREAUS INACCURATELY REPORTING 4 RETAIL CREDIT CARDS, NOT INSTATLMENT LOAN TYPE AND THESE 4 ARE OPEN AND NOT IN BK.SEE ATTACHED.XXXX XXXX/XXXX NO.XXXX-XXXX XXXX XXXX, AND 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 2019-12-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX was paid by me and my insurance companIes. I had XXXX XXXX XXXX XXXX XXXX first  and a hospital indemnity secondary insurance. I reached my maximum out of pocket prior to being treated at XXXX. Which means my insurance would pay for 100 % of my medical bills because I had already spent {$4000.00} in medical bills. The lady at XXXX lied about verifying my insurance, because she informed me I needed to pay a {$1200.00} copay ( which was absolutely false ). I was given no other choice because I needed to be operated. XXXX was paid over {$50000.00} by XXXX XXXX XXXX XXXX XXXX  first. Eventually they even refunded me over {$700.00} because of the mistake they made in regards to my insurance. I also never received any information regarding this debt in writing nor from my surgeon during post op visits, he is affiliated to 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 2019-12-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
See the attachment attached below. 

I'd like answers to these questions. 
Why was the {$49000.00} cashed when it was never applied???? The XXXX bill pay says the money will not be removed from my account until the check is cashed. The money was removed from my account. 
So, where was the money after it was removed from my account?? According to the Bill Pay the money is only taken from the account AFTER the check is cashed. Yet, I was told the CHECK was being returned per Nationstar phone calls on XX/XX/2019. Instead the check was cashed and the money taken from my account on XX/XX/2019. Then XXXX Nationstar Mortgage sent a check from XXXX to an address I have not used for years. My address had been updated every time it has been changed. The check took weeks to arrive to my correct address. Amazingly after 2 address changes over 3+years, thank you US Postal Service XXXX for getting the check to me. 
So, I have a check for {$49000.00} that arrived weeks later after the money was removed from my account. 
I still hold on to the check. If the check was not applied to my mortgage why was it cashed??? According to Bill Pay the check was cashed. 
Where was the money from the time it was cashed on XX/XX/2019 till the time XXXX wrote another check to me and sent to the wrong address?? 

For explanation of the complaint and the response, see attachment. 

This situation has shown incompetence, absolute lying, making up rules to fit their own agenda and cover their own mistakes. These are people representing a mortgage company. 
The person, XXXX XXXX, XXXX, says to call and she never picks up her phone. She then says she will schedule a time at " my convenience ''. I work 16 hours a day and can not talk on the phone during that time. She never called when it was convenient for me because she works her convenient shift and leaves. 
How is it they just make up their own rules as they so fit their agenda?? 
If employees like XXXX XXXX, XXXX, are so overworked and stressed out then XXXX needs to provide some EAP services. If not then why are they not performing their jobs??? Is it entitlement to not provide customer service to maybe certain age groups?? Down with the baby boomers who caused all the worldly problems?? Certain genders get no respect?? Certain people who work 7 days a week 24/7 to better there life get no respect?? NOTICE I AM WRITING THIS ON XXXX DAY!!!! XXXX employees/ Nationstar employees are sure not working.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/19 I applied for a new Barclay account to charge an XXXX purchase and was approved - when I got the credit card on XX/XX/19 I activated the account and it said successful - However, when I tried to register online account to view activity it gave me security questions ( supposedly linked to credit profile that I monitor daily ). Those questions were, previous car owned? and previous colleges attended? None of the selections applied to me at all on either question. Therefore they locked my account. I called company on XX/XX/19 to help gain access after I tried to use it and it did not authorize my purchase. I was driving and company wanted me to email a bunch of private information which I am pretty sure is illegal to request this email and since I was not able to do it I told them I would call back when I could depending on information they wanted. I called back and talked to someone today XX/XX/19 and they asked for, Front and Back of drivers license, front and back of social security card, Paystub, and utility bill. I informed them that was way too much sensitive information which would give them full access to my credit profile and I did not feel comfortable about sending it and asked for other options since I feel this may now be fraudulent. They said there was nothing else they could do without that complete information. I then said please close my account immediately because I can not use it and refuse to incurr charges on an account I can not use. They said they also could not close this account without all that information - I feel this is illegal for two reasons : 1. I should be able to close any account I want - 2. they should not be allowed to take copies of all that information. I have asked them to reset questions and I will do online again and they also won't do that. I now believe that this call center may be involved in fraudulent activity. They also refuse to send me an email verifying they are requesting this information

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 2019-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capio Partners, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX placed eight accounts from XXXX XXXX XXXX on my credit report without ever contacting me to verify the bills. They used really old contact information and the wrong policy number. I called them ( XXXX ) and told her about the mistakes to which she replied ( XXXX ) that contacting me was a " courtesy '' and she was under no obligation to contact me prior to putting the accounts on my credit report. Hence, I was never contacted. Then, in a letter from the provider sent me dated XX/XX/XXXX, all charges where XXXX  out. Still, the collection items appear on my credit report ( XXXX XXXX and XXXX. ) In addition, Capio Partners placed three old collection items on my credit reports from yet another XXXX XXXX, XXXX XXXX. These bills dated back to XXXX and XXXX. Again they had incorrect contact info and policy info. I called their Patient Advocacy number, XXXX on XX/XX/XXXX and was told= verbally that they would remove the bills from the credit bureaus. They, too, still appear on my credit report. 

In XXXX, the same thing happened with another XXXX XXXX in XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Once again, they used the wrong policy number and contact information. I filed a lawsuit because they destroy my credit and just reaches a settlement with all parties involved. Once again these new incorrect items are on my credit reports and my credit has taken another hit. 

I believe that there is something wrong with how XXXX  XXXX  are conducting their billing and collection efforts. Three separate XXXX XXXX, all billing when I was inpatient, all had the wrong policy and collection information. What makes this especially suspicious is that since I was inpatient, all providers should have gotten billing information from the information given at the time of admission. During my three hospitalization ALL OTHER PROVIDERS got the correct information that was sent to the insurance company. Because I am XXXX XXXX, at least 90 % of the bills would have been paid in full because I almost always reached my out of pocket maximum in the first quarter of the year. 
Please let me know what needs to be done to rectify this situation.

Company response to consumer: Closed with non-monetary relief