vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently got a credit report from XXXX Credit bureau. On the account it mentions an account that I allegedly had with XXXX XXXX XXXX and the account number for that account is XXXX. On the XXXX credit report it states that the XXXX XXXX XXXX account was paid in full and that the last payment was made on XX/XX/XXXX and XXXX is providing this information based on a dispute that I filed. So, if the last payment was made on XX/XX/XXXX and the account is paid in full then this account can not be a charged off account. Transunion and XXXX have different payment dates for this same account. How can it be that the three credit bureaus have different information on the same account and they are getting the information from the same source which is the creditor. I have submitted a copy of my most recent XXXX Credit Report and circled the payment date and the account status on the credit report. 
The XXXX  XXXX XXXX account that is reporting on my credit report is inaccurate and should be deleted immediately. From XXXX XXXX I have been asking the credit bureau for there method of verification as it pertains to this account but all I have gotten are letters stating that the account is been reported accurately on my credit report but no method of verification and this is a clear FCRA violations.

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 2021-11-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Holdings LLC
State: NV

Complaint narrative:
On XX/XX/XXXX I received a notice in the mail from Finance Of America reverse that my deceased mothers reverse mortgage was going to go into foreclosure unless I contacted them. I called them on XX/XX/XXXX and they instructed me to send an email to them stating that my deceased mothers estate had not yet gone to probate due to being held up in the courts due to Covid. I told them I could not apply for a mortgage in order to pay off their balance until my mothers estate and probate were settled in the courts. I got a response to my email generated from Finance Of America reverse that they would respond to me in 10 to 15 business days. They never responded to me.

Instead they want ahead with foreclosure without my knowledge without notifying me via mail or email.

I had to find out that the property went into foreclosure when I received two phone calls from realtors wanting to purchase the foreclosed property. 
My attorney states they applied for for closure through the courts on XX/XX/XXXX. On XX/XX/XXXX my refinance from XXXX XXXX paid off Finance Of America reverse the full amount.

That same day I received a phone call voicemail asking me to call Finance Of America reverse. I returned their call XX/XX/XXXX only to find out that I owed attorneys fees in the amount of {$1500.00} and I needed to pay it that day XX/XX/XXXX by XXXX XXXX East Coast time or they threatened that my entire XXXX XXXX payment that had been posted to the reverse mortgage account would be sent back to XXXX XXXX  and I would have to start the entire XXXX XXXX refinance process all over again. 
I scrambled that day XX/XX/XXXX to get to a bank that could make an appointment to do a wire transfer for me. Had I not paid the {$1500.00} they threatened me that they would return my XXXX XXXX payment back to XXXX XXXX and I would have to start the entire XXXX XXXX process all over again. 

I do not think I was given proper notice by Finance Of America reverse that this property was going into foreclosure. The only notice I got was on XX/XX/XXXX via US mail that I had to take action which I did at that time by calling them up and sending them that email I described above. 

I feel I should get a refund of the {$1500.00} attorney fees returned to me. My attorney states I should not have had to pay the {$1500.00} attorney fees. 
My attorney states I should track down the attorney at Finance Of America reverse and report them to the state bar association.

The Finance Of America reversess company I dealt with was out of XXXX Michigan. The attorney for them is listed as XXXX XXXX XXXX XXXX. I need to find the attorney responsible for not appropriately documenting and notifying me this this property would go into foreclosure. 
I need to get a refund of the attorneys fees of {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: PA

Complaint narrative:
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. I have already sent XXXX validation letters via mail. I have not received a response or update in regards to this matter. 

All accounts in dispute listed below : XXXX XXXX XXXX Account Number : XXXX Best Regards, XXXX XXXX

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 2021-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: WI

Complaint narrative:
Account and amount owed isnt mine and doesn't belong reporting on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: TX

Complaint narrative:
I submitted a dispute about my account to coamerica bank bank, the ssi.accout debit Mastercard used by the USA ssa.on XX/XX/2021 .about one XXXX dollar amount and XXXX dollars worth of miscellaneous charges made against my account. Made by a person who has stolen my phone from my house. I made a police report and provided all of the information and details to the dispute department within the allotted time frame. They reimbursed me the XXXX dollars for the charge to the phone company used by the thief to continue my phone service., but found not to reimburse any other items from my claim. I'm XXXX and I don't have any recourse. My income is very small and this has caused me a great loss. I have the Records and the womans name and information that took my money.i have access to video confirmation of the theft.yet none will do anything. I have several other things that I have had done to me concerning financial issues. Is there anyone who can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: PA

Complaint narrative:
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. I have already sent XXXX validation letters via mail. I have not received a response or update in regards to this matter. 

All accounts in dispute listed below : XXXX XXXX XXXX Account Number : XXXX Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: PA

Complaint narrative:
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. I have already sent 5 validation letters via mail. I have not received a response or update in regards to this matter. 

All accounts in dispute listed below : XXXX XXXX XXXX Account Number : XXXX Best Regards, 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 2021-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've been trying to reach out to Experian, they have not given me access to my CONSUMER CREDIT REPORT and FAL REPORT. I have attached screenshots as proof. All I want is to have my CONSUMER CREDIT REPORT AND FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). Experian has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND FAL REPORT. I am entitled to a free weekly report due to the current pandemic.

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 2021-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've been trying to reach out to Equifax, they have not given me access to my FAL REPORT. I have attached screenshots as proof. All I want is to have my FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). Equifax has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my FAL REPORT. I am entitled to a free weekly report due to the current pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I mailed certified registered letters to ARS asking for a DEBT VALIDATION letter for all the accounts that show on my credit report with all three credit bureaus. 
ARS in turn sent me VERIFICATION letters that contain medical account numbers that are attached to medical/healthcare facilities and has my name attached to them as well. This is a direct violation of HIPPA regulations including but not limited to the 18 HIPPA Identifiers. I never signed a HIPPA form authorizing them ( ARS ) to have this information.

I am attaching the letters I sent ARS and the responses they sent me in this complaint. 

Thank you 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 2021-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
They would call me repeatedly everyday for over a week asking for someone that is not me. I would tell them that it is not me and that they needed to take me off the call list. They kept calling. I asked to be taken off the call list again and they lied and told me they had no authority to do that. They wouldn't tell me their business name until I threatened to report them for fraud. They claimed to be calling from Ceders Business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
My debt to Eastern Account Systems was paid on XX/XX/2021. They later reported the account as a collection account to the Credit Bureaus on XX/XX/2021. I have requested that both they remove the account from my credit report however they have denied my request. When I initially paid the account I was told that it would not be reported to the credit bureaus upon my payment however they still did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I recently opened account with Chime ( online banking ) and my first direct deposit was made on XX/XX/2021. On XX/XX/2021 I started following Chime on XXXX and a Chime agent contacted me by DM on XXXX about some kind of money award so I thought because they offers {$100.00} per any referral costumer so I opened the link and looked like Chime log in so I put my info name, email, passcode, SS # to get in it didnt get it so I sent this person an DM as soon I did it my whole money was stolen. She wasnt a Chime agent and the link wasnt legit. So now my SS has been exposed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I received a text at XXXX XXXX on XX/XX/21 saying " Chase Fraud : Did you request to send a transaction for {$5000.00} Reply YES to verify or NO to discuss further. Msg & data rates may apply. '' I replied " No '' I received another text saying " CHASE FRAUD : The transaction was blocked and no funds have been taken from your account. A representative will be contacting you shortly. '' I then received a call at XXXX XXXX from the phone number XXXX ( XXXX ) XXXX, which matched the number on the back of my Chase debit cards, and they described the perpetrator 's alias as XXXX XXXX. They said that XXXX attempted to take money out of my account via XXXX. They asked if I was still associated with my XXXX XXXX XXXX XXXX and I responded with yes. They asked if I saw any unusual transactions pop up yet and I did not. They said I may still be in danger of losing that {$5000.00} in my account and to stop the unwanted transfer I would need to send myself the money via XXXX. Sending it through XXXX would freeze the money that is being pulled out of the account and I would be credited back the money within the next business day. I sent it to my own phone number, and they asked what the verification code was, so I gave it to them. At one point in the conversation I asked them to remind me what their name was, and they responded with their first name, last name, and badge number. After the transfer, I received a text from short number XXXX saying " XXXX XXXX : Sign on to your XXXX XXXX account and verify your mobile number within 24 hours. Verification code XXXX. Questions? XXXX '' I received another from short number XXXX saying, " USER ... sent you {$5000.00}. It has been deposited in your XXXX account XXXX. Reply STOP to end. Msg & Data rates may apply. '' Later in the night they called me at XXXX XXXX from the phone number XXXX ( XXXX ) XXXX. At this point I had had a couple of drinks at the bar, and they said that I was getting money pulled not only from an external account at XXXX XXXX, but also an account at XXXX and that I needed to transfer another {$4600.00} to myself via XXXX to freeze the funds. After that transfer, I received a text from short number XXXX saying, " XXXX : Your phone number was just updated for acct ending in XXXX. Visit citi.com/contactinformation to view this change. Reply STOP to opt out '' I then received a text from short number XXXX saying, " XXXX : Hi, USER sent you {$4600.00} using XXXX ( XXXX ). View at XXXX '' They then said they would follow up with me in the morning, which I never received a call for. I then looked up online to see if I got scammed, and sure enough I did. I now have {$120.00} in total in my bank accounts. I called my bank to let them know about the incident, and they said that there is nothing that they can do and sorry that happened.

Company response to consumer: Closed with explanation