vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I called Change Health Care the original bill collector for this debt owed to city of XXXX I told them that at the time of this ambulance ride I had insurance and that this would need to be charged through to my insurance. They resubmitted the claim to my insurance and my insurance company paid it on the XXXX. This is not shown on my credit report as I still have a collection on my credit report from Penn Credit for the amount of {$510.00}. This needs to be removed as it is stopping me from being able to move.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
On XXXX XXXX, 2020, FIDELITY CREDITORS SVC add a collection on my credit report per XX/XX/XXXX and XX/XX/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 2020-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My name is XXXX XXXX and I am sincerely asking for your assistance in this matter. My Wife XXXX had used a Capitol One Credit Card in XXXX and I had just lost my job after 36 years and she was not working. It was an extremely hard time for me and my family. 
We had to pay rent, buy food and support our family. In XXXX we received notice of garnislhier her salary at her new job. 
Capitol one notified the Sheriff office in XXXX XXXX NY and issued an income execution ( Sheriff file XXXX ) ( Court Index XXXX ) We were contacted and asked how much we can pay. I informed them {$100.00} a month. My Wife has been sending $ XXXX from that point on and never missed a payment. She has paid {$8400.00} to the Sheriff. The Notice we just received from the Sheriff office stated she still owes {$46000.00}. How is this possible on a credit card that less than {$10000.00} originally owed. This is all interest????? How is this allowed.. 


I need assistance in this matter. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by Credit CONVERGENT OUTSOURCING, INC.. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

This company has been reporting wrong information, re-aging the account, they have failed to mark account as disputed and unfair business practices. 

Account number : XXXX Date Opened : XX/XX/17 Hight Credit Limit : {$190.00} Balance : {$0.00} My dispute is based on many damages and all the violations that they have committed. 
I want the item removed from my records asap.

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 2020-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Progressive Management and XXXX XXXX XXXX XXXX violated the law by attempting to collect a debt that I should not owe. XXXX XXXX XXXX did not even attempt to bill the Department of Veterans Affairs even though I provided them with written authorization and proof of my insurance. This is violation of Federal code 38 and 17. 

I contacted VA and verified that they never even attempted to bill for service even though I emailed the provider the authorization letter beck in XXXX of 2019 and have proof I did. I am providing VA Care Center reference number XXXX and they can be contacted at XXXX. 

I have written both the 3rd party collection agency and the original provider and have received no response. I wrote the original creditor and Progressive. I disputed the bill and asked for an itemization and received absolutely no response except to have it placed on my credit report. No itemized bill no written response nothing. This is a violation of FCRA Section 623, FCRA Section 611 Part ( A ) ( 1 ), FDCPA Section 809 ( b ) and FTC opinion Letter Cass from XXXX. 

So they have never attempted to bill my insurance even though it was authorized and I went beyond the average effort and provided them with that written authorization. I believe that in doing so they settled with my secondary insurance for more than 20k less than what the VA would have paid so they may have lost over {$20000.00} and are now illegally trying to send me to collection for their mistakes in billing. 

They have ignored legal attempts to get information regarding the bill and yet have placed it on my credit while I was attempting to purchase real property and caused me financial loss. I am seeking legal advice as to what damages I may be able to recover as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XXXX  and XXXX  did their jobs in no time. Transunion on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Transunion continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Transunion is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!

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 2020-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Ive sent 3 different letters to the credit bureau to verify inaccurate information on my credit report. Ive even filed a police report stating my identity was stolen in the process. Most of these accounts are at a address That I have never been associated with as well. I know federal law is that The Credit bureau must respond to me in 30 days. Its now 90 days and I havent gotten a response.

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 2020-11-17 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: MA

Complaint narrative:
Ive sent 3 different letters to the credit bureau to verify inaccurate information on my credit report. Ive even filed a police report stating my identity was stolen in the process. Most of these accounts are at a address That I have never been associated with as well. I know federal law is that The Credit bureau must respond to me in 30 days. Its now 90 days and I havent gotten a response.

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 2020-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XXXX  and XXXX did their jobs in no time. Transunion on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Transunion continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Transunion is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!

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 2020-11-17 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 — Investigation took more than 30 days
Company: Lendmark Financial Services
State: CA

Complaint narrative:
I have try several times to reach out to Lendmark and have got no reply. In XX/XX/2020 I sent a letter asking for proof of this is account and i have yet to receive anything. Four months and NOTHING this is crazy. I'm asking for a difficult letter here only want to know about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: TX

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. BANKRUPTCY XXXX. I contacted the court about this public record and they told me that they do not send anything to the credit bureaus. I then contacted XXXX, they debt me a letter that I attached that they can not find a file record under my name, full social, address and date of birth. I have attached a copy of the letter from XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to the Bank of America on XXXX and XXXX XXXX on XX/XX/XXXX to withdrawal funds for bills. The next day I noticed my withdrawal was different from others with a weird XXXX ID and number. I also noticed that same day, XX/XX/XXXX that a withdrawal of {$480.00} came out of my account and that there was a transaction represented by {$0.00} which was a balance check which I never do because I have the app to verify my funds. I thought it was strange and maybe I transferred some funds or something, did think to much of it at the time. Then a week later, I noticed another transaction while we were getting the kids ready for their online classes, that another transaction a withdrawal for {$780.00} was taken out following the same trend of balance review and then withdrawal. So on two occasions unauthorized withdrawals were taken from my checking account. On XX/XX/XXXX for {$480.00} and again on XX/XX/XXXX for {$780.00}. Each withdrawal was preceded by a balance review before being taken out of my checking account. When I first contacted the Bank of America fraud department it seemed like they understood I was a victim of fraudulent or suspicious activity. They lady helping me checked the locations of the withdrawals and they were in XXXX and XXXX, XXXX XXXX. I live in XXXX XXXX, CA which is 30 or more miles away and rarely live the house due to COVID-19. She placed my claim. I received a letter with a broad explanation that my claim was canceled. I called the fraud department back, and mentioned this. The lady that helped me the second time said I was being viewed as lying about my claim and that they were not paying me back my funds. Then proceeded to tell me they are to busy to verify claims if they dont sound reasonable enough. I explained to her there is no way I pulled that money. I havent been to XXXX  in years and my bank is less then 1 mile from my home. I have witnesses and class room XXXX  videos that place me at home during these withdrawals! I am on the verge of filing a police report against the bank, this will possible encourage them to check their cameras. I shouldnt have to go through this just because they are over whelmed with fraudulent activity! They are a national bank, they should have the proper systems in place to help and secure their users funds! I have witnesses and class room XXXX  videos that place me at home during these withdrawals!

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 2020-11-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
From XXXX 2020, I filed a dispute with this credit bureaus about the inaccurately reported account : US BKPT CT MS XXXX. There are inconsistent reference numbers reporting on my credit report which is a violation of the FCRA. on XXXX  it says XXXX and on equifax and XXXX  it says XXXX. 
In over several months I have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in these months. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this inaccurate account as of today. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
To whom it may concern : Thank you for taking the time to look over my complaint concerning Navient. For years I have been a prisoner to Navient. When I decided to take out a private student loan with Navient ( formally Sallie Mae XXXX, I intended to make enough money to repay my loan. Unfortunately, I was not able to pay due to my low income. I asked for forbearance and a deferment with Navient. Yes, I received both, but I was still not able to pay. Years later, I applied to a program from Navient called Rate Reduction Program with Extended Repayment. I thought the program would suit my needs due to my low pay. Unbeknownst to me, the payments go up every six months. For last six years, I've been making on-time payments because I was able to be in a position where I was making a little more money than before. I was still struggling a little bit because I also have a hefty federal student loan to pay for and other bills. Now, my payments with Navient are {$480.00} and will go up again in XX/XX/2021. I do not have a problem paying the bill, but I do have a problem with the payment going up every six months. I can NOT afford the payment going up because I have other bills to pay. What I am enduring is an unfair situation for me. I tried to get my loan refinanced with Navient ; the application I applied to was denied. I tried talking to a manager, but I will get the same story : " the payment can not be lowered ''. One day, I was disrespected by a representative stating : I should've thought about paying loans before I started school. Navient is practicing unfair treatment concerning their consumers. Every-time, I try to take a step forward, Navient is holding me back. I feel like Navient does not care about their customers and what they go through in life. I would love to have my bill lowered and at a fixed rate ( not ) variable. If someone can please help me with this situation, I would greatly appreciate it. I have attached documents showing that I have been making payments and the payment going up. Also, where the loan started at {$18000.00} to now {$61000.00} due to interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
I refinanced my my mortgage. My previous servicer was Loan Depot. The refinance closed on XX/XX/2020. It is now XX/XX/2020 and Loan Depot still has not returned the balance of my escrow account. 

I called and Loan Depot claims to have mailed a check XX/XX/2020. It simply does not take the post office more than twelve days to deliver a letter. 

I called again today ( 30 minutes on hold ) and the Loan Depot representative said at this point the only resolution is to put a stop payment on the alleged XX/XX/2020 check, a process that will take Loan Depot another 10 business days to complete, at which point they would issue a new check. I asked for the process to be expedited and the new check to be sent through a means where I could have a tracking number. The employee told me that he would need to speak to a manager for that to happen. He told me I would be on a brief hold while he got his manager, then he hung up on me. 

Loan Depot has had my escrow funds for over a calendar month now. Under CFR 1024.34 ( b ) ( 1 ) Loan Depot should have returned my funds to me by XX/XX/2020. I am now on hold again, just trying to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC
State: NJ

Complaint narrative:
1st letter sent to GC SERVICES FOR XXXX, XXXX in XX/XX/2020 regarding identity theft and account not being mine. No word from them until XX/XX/2020, resent FTC Identity theft report. Received several calls regarding debt, even after my FTC statement requested to only contact me via mail regarding the false account under a person with similar name as mine. I am sending another letter dated XX/XX/2020 for all matters to collect this debt to cease. I do not own this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit score with Equifax dropped 72 points in one week on XX/XX/2020 for no reason whatsoever. I checked my scores on XXXX and XXXX  is fine and Equifax dropped an astronomical amount of points!! I called Equifax and emailed XXXX XXXX and both companies are pointing the finger at each other and no one can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX and XX/XX/2016 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation