vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-27 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: TN

Complaint narrative:
I will attach documents proving this dispute below. XXXX XXXX ran my credit without my permission. A service guy came to my house and asked if I wanted a quick approval for house work and asked me questions about what I needed done and my identity but never told me my credit would be ran or by which company. I have been trying to fight XX/XX/XXXX ( inquiry XX/XX/XXXX ) for over a year now with letters to them as well as to the credit bureaus with recent dates of a last attempt on XX/XX/XXXX. My last & only letter from XXXX XXXX was on XX/XX/XXXX. The bureaus have taken no time to ask & gather evidence from this company no matter how many attempts Ive made with them in requesting their findings. XXXX XXXX XXXXXX/XX/XXXX ( inquiry XX/XX/XXXX ) has been the same issue. I wrote them and got no answer. I called and wrote the bureaus explaining this and they still have refused to remove them from my 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 2021-04-27 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: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
This account has been charge off. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, You have claimed a credit insurance over this account, you do not have any loss, clearly this is a violation of the law to report with profit loss write off. I am formally requesting a copy of any documents, bearing my signature, showing that I have a legal binding contractual obligation to pay you, I am requesting you to sent the wet ink contract bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
XXXX XXXXXX/XX/XXXX failed to bill my insurance. I am on XXXX and under XXXX rules I can not be billed for a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Account Control Technology, Inc.
State: AZ

Complaint narrative:
I've received a letter from Account Control Technology INC. who claims that XXXX has authorized my employer to resume garnishment of my wages for my Federal Student Loans. 
President Biden has extended the pause on Student Loan payments and collections activities until XXXX, XXXX. I've previously had no dealings with this company and I want to understand how they're able to commense collection on a debt that I've been paying through payroll garnishment by the dept of Education until the original pause in XXXX of XXXX. 
The copy of the letter I received was sent to my employer and is dated XX/XX/XXXX Please advise what recourse I have in this matter.

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 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
Mr. Cooper recently purchased my mortgage from XXXX and they have owned my mortgage for 3 weeks. In that time they have auto debited my checking account 4 times, withdrawing an entire mortgage payment each time. I tried to contact them via their secure message center, their customer service phone number and their social media page and did not get a reply, let alone a resolution. My account was overdrawn by over {$4000.00} and I had nothing but a credit card for groceries, a car payment, bills and daily expenditures. They finally made a statement on social media that their payment vendor had an issue. Still no resolution. Still no direct contact. Still no refund and there isnt a thing I can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
I called on Friday, XX/XX/2021, to make my payment. Every person I spoke to refused to process it. A few of the representatives we're XXXX id # XXXX, She transferred me to XXXX at XXXX id # XXXX, then XXXX id # XXXX, and finally XXXX at XXXX. After being bounced around as usual and extended hold times, I decided to call the number of XXXX id # XXXX. He called and processed my last made payment on XX/XX/2021 after your company took almost 60 days to respond to my last complaint in XXXX. The number he gave me and told me was his direct line turned out to be just the HELOC line which obviously is of no help. Finally I called the number XXXX and ext. XXXX for XXXX XXXX, who is supposed to be my contact for issues after my last complaint in XXXX. The message says " she is at home '' and does not even allow me to leave a message ( not very professional or helpful to say the least ). I then called back XXXX which is the number for the Office of the Customer and left a message on the general mailbox stating that I would file this complaint today, again, unless someone called me today. Nobody called so this is my only option. I will continue to file these complaints if nobody is capable of processing my payments. I'm just trying to pay a debt here, which has already been charged off. Worst customer service I have ever experienced in my life, bar none.

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 2021-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello to whom it may concern I have been disputing incorrect information, erroneous in my credit report for more than 180 days I have never received the answer from any credit bureaus the results of the disputes for more than 180 days and the incorrect information is still in my credit report as my name, address, collection accounts with erroneous or inaccurate information,,, erroneous and incorrect closed accounts I requested to the credit bureaus verifying and certified the information or removed immediately and they never answered me

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 2021-04-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello to whom it may concern I have been disputing incorrect information, erroneous in my credit report for more than 180 days I have never received the answer from any credit bureaus the results of the disputes for more than 180 days and the incorrect information is still in my credit report as my name, address, collection accounts with erroneous or inaccurate information,,, erroneous and incorrect closed accounts I requested to the credit bureaus verifying and certified the information or removed immediately and they never answered me

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 2021-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: MO

Complaint narrative:
On numerous occasions for a year prior toXX/XX/2021, I have sent dispute letters to Account Resolutions Services a division of HRRG, LLC, XXXX XXXX XXXX  XXXX, XXXX, FL XXXX, collections agency, requesting they valid this debt with more than the falsified name, address, or amount owed of the original debtor. 
I requested their verify that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. And whether this debt is within the statute of limitations and how that was determined. 
Also I requested them to forward details about their authority to collect debt : whether they are licensed in my state and if so provide me the date of the license, name on the license, license number, the name, address, and telephone number of the state agency issuing the license. 
ARS refuse to provide with the requested information requested, delete the invalidate collection, or practice fair credit reporting to the three credit bureaus. They only continue to submit the the falsified verification of the original debtors name, address, amount owed, and the dated letterhead..

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 2021-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On Saturday, XX/XX/2021, my XXXX account was overdrawn nearly {$5500.00} due to my mortgage company Mr. Cooper pulling multiple unauthorized payments from my accounts. I attempted to contact them all morning Saturday and then they closed their call center at noon which left me with no alternatives until Monday. I had no cash for food or gas and at least 1 credit card payment was returned by XXXX XXXX as a result of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i was involved in a real estate fraud where i tried to purchase property in new jersey and never received the property after being contacted online by a company called XXXX. The merchant took my info and opened up an a credit card with bank of america, XXXX and XXXX XXXX. The merchant then took my card and charged it to an XXXX and kept stringing me along telling me they would purchase the property but never purchased any property and then said they would refund and never did. and then disappeared. I have a theft police case with XXXX XXXX  for these charges on my account, the police case number is XXXX but bank of america will not dispute these charges due to the time but i was clueless that these were thieves. All the charges made on the card was by this company during XX/XX/XXXX - XX/XX/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 2021-04-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Ascendium Education Group
State: AZ

Complaint narrative:
I've received a letter from Account XXXX XXXX XXXX who claims that Ascendium has authorized my employer to resume garnishment of my wages for my Federal Student Loans. 
XXXX XXXX has extended the pause on Student Loan payments and collections activities until XXXX, XXXX. I've previously had no dealings with this company and I want to understand how they're able to commense collection on a debt that I've been paying through payroll garnishment by the dept of Education until the original pause in XXXX of XXXX. 
The copy of the letter I received was sent to my employer and is dated XX/XX/XXXX Please advise what recourse I have in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: Account Resolution Corporation
State: MO

Complaint narrative:
As stated in the HIPAA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy. I would like this be taken out of my credit report immediately. I reserve the right to sue your company for violating of my consumer rights as indicated under both the FDCPA and the FCRA. I will also seek damages from you if warranted. 

XXXX. They are not complying to my request to validate the debt. Also, they have failed sending any documentation bearing my signature that I have legal obligation to pay them. The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) states that you are required by federal law to send the wet ink contract bearing my signature you should send to me the original signed contract 2. They are Identifying me as Mr. XXXX on their response, My name is : XXXX XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX. FDCPA Section 807 ( 8 ) You have failed to validate the debt, this is misleading/false reporting. It must be remove from my credit report right away. 

XXXX. The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611 ( A ) ( i ) promptly delete the item if the information is found to be inaccurate or incomplete or can not be verified. You must request the credit reporting agencies to remove inaccurate and incorrect information and delete it from my credit report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a small balance on my line of credit with Chase. 

I paid {$430.00} towards my loan on XX/XX/2021 at the XXXX CA branch. 
XXXX. For some reason, the branch overpaid the principal balance, making it negative ( credit balance ) XXXX. In XXXX, even though the total account balance was negative, Chase went ahead and charged me a late fee ( XXXX? ) XXXX after unsuccessful attempt at trying to resolve this over the customer support line, I went to the XXXX XXXX branch on XX/XX/XXXX to sort this out, and I was told that I need to call the XXXX line first, or come back next day to see the business banker even though she was in the office. 
XXXX. I got a letter today XX/XX/XXXX informing me that my account was past due and a late fee was applied

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-27 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 — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I was refused a Capital One card because my credit score and or Fico has not been available for about six months. I have tried to access my score from all three credit reporting agencies and they do not have a score for me. The screen will say that my score is a XXXX and that is the score I need for this card. 

It is also an identify theft crime from XXXX men because i am not interested in XXXX women for XXXX. So they are both fighting me any and every way they both can. I am trying to file with the Civil Rights Office because it is unlawful. I am trying to get a mortgage and they are using hate tactics at me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In XXXX, I obtained equity line of credit from Bank of America for {$25000.00} was used out of {$68000.00} approved- XXXX XXXX XXXX XXXX Philadelphia XXXX  and second equity line of credit was granted to XXXX  XXXX XXXX XXXX XXXX XXXX a balance of of about $ XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX but it was not transferred. 
On the first equity line of credit I made payments from XXXX to XXXX when I filed chapter XXXX bankruptcy in attempt to redeem a another property the city of XXXX staffs fraudulently sold. In XXXX, Bank of America without notification transferred the equity line of credit with a balance of about {$25000.00} to XXXX XXXX and sold it to investor simultaneously. Still on bankruptcy, there was no monthly statement received requesting for payments because of the active bankruptcy. In XXXX, my attempt to redeem the property that the city of XXXX staff sold failed. I then requested for voluntary dismissal of the Bankruptcy application. Shortly the investorXXXX XXXX XXXX, not in its individual capacity but solely as trustee for the XXXX XXXX, XXXX XXXX filed a foreclosure action and obtained a judgment on pleading in the amount of about {$43000.00} around XX/XX/XXXX. I communicated with XXXX XXXX to pay off the equity line amount. Suddenly, I began to receive communications from XXXX XXXX XXXX XXXX threateningly to foreclose. XXXX Bank of America is responsible for the excessive changes I am currently subjected to. Bank of America staffs connived with the investor occupying the Building at XXXX XXXX build to defraud my chance to survive. The action of Bank of America was unfair knowing that I was in active chapter XXXX bankruptcy. Consequently, equity line of credit of {$25000.00} is now causing a demand of payment of about {$64000.00}. 
Bank of America N.A. Fraudulently changed the name on the title without my consent. The equity line of credit was obtained as XXXX XXXX XXXX & XXXX XXXX and the deed was prepared in the same names. Recently, I noticed that the name change and new deed appears on record. I am not sure how the law permits Bank of America to change the name on the deed Without my consent.

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 2021-04-27 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have asked in written form numerous of times for the credit bureau to investigate and provide method of verification to me regarding the inaccurate errors on my credit report. To this date that have not but yet these errors still remain on my credit report. The law states that must verify this incorrect information and provide me with their method of verification, they have not done so, so by law they have to remove the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I will attach documents proving this dispute below. XXXX XXXX ran my credit without my permission. A service guy came to my house and asked if I wanted a quick approval for house work and asked me questions about what I needed done and my identity but never told me my credit would be ran or by which company. I have been trying to fight XXXX XXXX  ( inquiry XX/XX/XXXX ) for over a year now with letters to them as well as to the credit bureaus with recent dates of a last attempt on XX/XX/XXXX. My last & only letter from XXXX XXXX was on XX/XX/XXXX. The bureaus have taken no time to ask & gather evidence from this company no matter how many attempts Ive made with them in requesting their findings. XXXX XXXX XXXX XXXX ( inquiry XX/XX/XXXX ) has been the same issue. I wrote them and got no answer. I called and wrote the bureaus explaining this and they still have refused to remove them from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: TN

Complaint narrative:
I will attach documents proving this dispute below. XXXX XXXX ran my credit without my permission. A service guy came to my house and asked if I wanted a quick approval for house work and asked me questions about what I needed done and my identity but never told me my credit would be ran or by which company. I have been trying to fight XXXX XXXX ( inquiry XX/XX/XXXX ) for over a year now with letters to them as well as to the credit bureaus with recent dates of a last attempt on XX/XX/XXXX. My last & only letter from XXXX XXXX was on XX/XX/XXXX. The bureaus have taken no time to ask & gather evidence from this company no matter how many attempts Ive made with them in requesting their findings. XXXX XXXX XXXX XXXX ( inquiry XX/XX/XXXX ) has been the same issue. I wrote them and got no answer. I called and wrote the bureaus explaining this and they still have refused to remove them from my 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 2021-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orion Portfolio Services, LLC
State: CA

Complaint narrative:
I received a letter in the mail from Orion Portfolio Services LLC for collections from XXXX in the amount of {$310.00}. I do not have an account with XXXX in any form. I have tried calling Orion and it redirects to a random number that's mailbox is full, there is no directory for the company on the call. It lists two account numbers one for XXXX # XXXX and an Orion account number # XXXX. I called XXXX and they ran both numbers including my social security number and found no account. I want to make sure this doesn't go on my account somehow. Thank you. The letter is dated XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation