vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
A company called " THE BUREAUS INC '' is reporting on my credit claiming to hold an old debt by XXXX XXXXXXXX XXXX. I do not owe this debt, XXXX XXXX XXXX was paid, so I do not know who or why this still shows. I've tried disputing this with proof of payment to all XXXX credit reporting agencies and no one actually calls to verify the information and remove this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Once again M & T Bank 's use of the merchant website XXXX  apparently run and handled by XXXX XXXX of M & T Bank is in our opinion an abject and total failure. Every single time we need to login it either does not accept our password, or the multiple idiotic " verification questions '' which seem to change or be altered each and every single time. When we have complained out of frustration to XXXX XXXX, we are met with her derision, arrogance, insults, veiled threats, haughtiness, and plain old XXXX poor customer service. This problem is especially egregious because we have just today received a credit chargeback ( on a Saturday ) which is time-sensitive otherwise they will remove probably tens of thousands of dollars from our account. In addition, the " forgot password : feature does not work either because it does not recognize the temporary fake answers to the questions that XXXX XXXX placed in when we complained last time. Please urgently investigate and advise.

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 2022-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I have been in contact with my insurance provider who confirmed the debt was paid in full. I have also been in contact with the debt collector ( Wakefield & Associates ) who also confirmed the amount was paid in full and they would update my credit report. The debt collector is refusing to update my credit report to reflect the account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without but written instructions

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 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without but written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
The Following have violated my rights : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states consumer reporting agency can not furnish an account with my written concern.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
The Following have violated my rights : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states consumer reporting agency can not furnish an account with my written concern.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
The Following have violated my rights : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 also states consumer reporting agency can not furnish an account with my written concern. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NV

Complaint narrative:
I graduated with an XXXX XXXX XXXX in XXXX. XXXX XXXX consolidated my federal loans and I paid them to XXXX. Nelnet called my 10 times a day with student loan forgiveness calls. I finally talked with them. They told me I would be crazy not to let Nelnet service my loan. After all, they were offering student loan forgiveness. So I went with Nelnet and all I got was exactly what XXXX XXXX was offering only my 25 years to forgiveness starting over again. I will have paid on this useless degree from age XXXX to age XXXX. This seems predatory and fraudulent. 

This has affected every financial decision I have made my adult life. It causes inflated the interest rates on literally everything that Ive applied for. I have been turned down for apartment complexes, housing, Car loans, you name it There is no end for me. I will die with these loans. I currently owe {$460000.00} on an initial loan of {$52000.00}. There were no jobs in the arts field that could possibly merit paying these loans so I had to leave it. I am a flight attendant. 

Please help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my second complaint about this matter, this information is NOT being properly investigated. 
original response from Equifax Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. 

I HAVE INCLUDED WHAT THE COMPANY SENT ME STATING THEY HAVE NOT COLLECTED ON THIS DEBT AND IS ASKING EQUIFAX TO REMOVE IT. EQUIFAX IS REFUSING TO REMOVE THIS DEBT FROM CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: FREEDOM FINANCIAL NETWORK
State: NJ

Complaint narrative:
On or around XX/XX/XXXX I found a fraudulent loan opened in my name. The lender, FreedomPlus, Account XXXX, in the amount of {$10000.00}. I called FreedomPlus and spent 48 minutes discussing the fraudulent account. FreedomPlus provided me with Reference number XXXX. On XX/XX/XXXX I mailed FreedomPlus a certified letter via XXXX mail XXXX XXXX, containing a Police Report, FTC report, Drivers License and Social Security Card. Along with a FCRA section 623 letter, demanding explanation of investigation procedures, proof of my signature for accuracy and verification. The letter was received on XX/XX/XXXX by by XXXX : XXXX. I havent received a single piece of documentation. Per FCRA, what FreedomPlus is doing is illegal. Its now past 30 days. I am requesting this fraudulent account be completely removed from all 3 credit bureaus as it is unverified and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I was NEVER advised this account existed. I have never received a bill/invoice from the debt collector or service provider. Not until I applied for credit was I aware that this account existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have a landline phone and a mobile phone and am not getting incoming calls as I have had in the past. When I am expecting credits to the secured bank account it takes sometimes an unbelievable amount of time for deposits. The bank has had me change debit cards for frivolous reasons and I just incurred this advice again regarding a question I had about an issue. No way do I believe this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My wife and I obtained a loan from Capital One auto finance on the purchase of a used car. XXXX XXXX of XXXX fraudulently put lower miles for the odometer reading on the finance contract and extended service contract than the car had. When I discovered the fraud, I immediately advised Capital One Auto Finance what occurred. Capital One Auto Finance then advised to me that they had different miles on the forms submitted to them, which means that after my wife and I signed the contracts and left, XXXX XXXX of XXXX illegally altered the documents without our knowledge. Even after altering the documents, XXXX XXXX of XXXX still put incorrect miles on the newly fraudulent extended service agreement. I requested that XXXX XXXX  cancel that agreement due to the fraudulent miles listed, and to the fact that the Company to service the agreement didn't seem to exist. ( The brochure they gave us for the contract had a website that does not talk about any service contract ) XXXX XXXX XXXX XXXX claims to have cancelled and refunded our money that was additionally charged in the loan to Capital One. Capital One Auto Finance has not refunded the money, nor have they credited our account with the allegedly refunded balance, yet they still charge us for the original amount financed that included the additional XXXX for the extended service agreement. Even though they are aware the submitted contract was altered after sighning without our knowledge or approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A company called " XXXX XXXX XXXX '' is reporting on my credit claiming to hold an old debt by CAPITAL ONE BANK. I do not owe this debt, CAPITAL ONE BANK was paid, so I do not know who or why this still shows. I've tried disputing this with proof of payment to all XXXX credit reporting agencies and no one actually calls to verify the information and remove this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I want to increase my monthly payment by TRIPPLE of the minimum and Goldman Sachs refuses to do so. 
I either am FORCED to continue minimum payments of {$61.00} or the ENTIRE balance of {$2100.00}! 

I am not in a position to pay the entire amount but DO want to pay it off ASAP as of the $ 61 monthly ... my balance only goes down by {$20.00}!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Sams club employee pulled my personal information instead of business 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 non-monetary relief
Consumer complaint received 2022-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I had an account with Apple card Goldman Sachs and I closed my account 6 months. I paid my remaining balance on XX/XX/XXXX but every months I received email from them asking to pay more XXXX XXXX Since i closed my account 6 months ago along with my card, how can they still charge me for money? I dont use the card for so long. 

I called the customer service on XX/XX/XXXX and he said ignore the email or reply back to it, I cant help I kept all my communication and email. This is a very restless behavior and I considered it as a fraud. 

Please investigate it properly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax no longer has my credit profile on their website when I log in to my account on equifax.com theres no credit summary for me and no credit score listed aswell literally zero information also when I login to my account on XXXX XXXX my equifax credit score hasnt been updated in two months and when I log in to XXXX to check my equifax report theres a message that reads Sorry, we can't show you today 's 3- bureau report. This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. 

I called to speak to someone at equifax about why my credit report hasnt been updated in two months and why theres no credit summary for me on their site and they said they can mail me my credit report which is fine but that doesnt fix the online issue Im having I need them to fix this so I can get regular updates on of my credit report on their website

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple requests to Experian about a collection account on my credit report. 

I wrote a letter dated XX/XX/2022, XX/XX/2022, and XX/XX/2022 asking Experian to investigate an account. Experian 's latest response was on XX/XX/2022 which was their latest update that the account was verified and updated on Report XXXX XXXX. I originally asked for a description of your procedures on XX/XX/2022 and Experian failed to respond with the information that I have originally requested. 

At this point, I am so upset and I feel so abused by their company that I have decided to file complaints. Experian has ignored me, treated me like an uneducated consumer, and caused my family and me great distress. Leaving bad information on my file has prevented me from obtaining credit to get a loan that is needed for consolidating debt and this is not fair to me or my family. 

I have also expressed to Experian that the XXXX account is not valid and is in violation of my HIPPA rights. I never signed and authorized a HIPPA release form for them to have my personal medical information and yet they do.

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 2022-04-30 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: NJ

Complaint narrative:
On or around XX/XX/XXXX I found a fraudulent loan opened in my name. The lender, XXXX, Account XXXX, in the amount of {$10000.00}. I called XXXX and spent 48 minutes discussing the fraudulent account. XXXX provided me with Reference number XXXX. On XX/XX/XXXX I mailed XXXX a certified letter via XXXX mail XXXX XXXX, containing a Police Report, FTC report, Drivers License and Social Security Card. Along with a FCRA section 623 letter, demanding explanation of investigation procedures, proof of my signature for accuracy and verification. The letter was received on XX/XX/XXXX by by XXXX : XXXX. I havent received a single piece of documentation. Per FCRA, what XXXX is doing is illegal. Its now past 30 days. I am requesting this fraudulent account be completely removed from all 3 credit bureaus as it is unverified and inaccurate.

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 2022-04-30 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: NJ

Complaint narrative:
On or around XX/XX/XXXX I found a fraudulent loan opened in my name. The lender, XXXX, Account XXXX, in the amount of {$10000.00}. I called XXXX and spent XXXX minutes discussing the fraudulent account. XXXX provided me with Reference number XXXX. On XX/XX/XXXX I mailed XXXX a certified letter via XXXX mail XXXX XXXX, containing a Police Report, FTC report, Drivers License and Social Security Card. Along with a FCRA section 623 letter, demanding explanation of investigation procedures, proof of my signature for accuracy and verification. The letter was received on XX/XX/XXXX by by Name : XXXX. I havent received a single piece of documentation. XXXX FCRA, what XXXX is doing is illegal. Its now past 30 days. I am requesting this fraudulent account be completely removed from all 3 credit bureaus as it is unverified and inaccurate.

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