vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 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: NY

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: WA

Complaint narrative:
My ex-wife has custody of our daughters. They all live together and none of them speak to or see me about anything. She takes the girls to medical and dental appointments and then refuses to pay the bills. Because of our divorce/child support, I have to provide medical/dental insurance. When unbeknownst to me, she takes the girls and skips out on the bill, the providers contact me for payment for services that I didn't know about, initiate or authorize. Now I have several collections on my credit report negatively affecting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
PayPal closed my account for no reason and will not help me getting it back up and going I am not sure if this is some mistakes as I assume it has to be I have not been able to get help from them for days they are not doing their job properly I thought you guys would help me thats why I filed a complaint against them my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
! I pay my balance IN FULL every month less any statement credits. In XXXX. I paid everything in full less a credit that ironically hit XXXX days later, even though it was submitted days before my statement due date! so I got stuck with XXXX in finance charges for a XXXX statement credit .called they would not waive the fee but said if you pay balance in full the next statement then no more fees.I did that for XXXX payment .looked at my XXXX bill and yep..more finance charges!! XXXX this time. called them asked for a supervisor ... and told her to pull up the call I had the prior month with the prior supervisor who refused to credit the finance charges.She found the call date but ironically that call wasnt recorded. XXXX refused to credit the finance charge when the prior agent clearly told me there would not be any more once I paid my prior balance in full by the due date and that calls were recorded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Pursuant to 15 usc 1602i I as the consumer am the original creditor. In accordance to 15 USC 1692 Ally Financial is criminally liable. I also was never given paperwork in regards to my loan information or car purchase. 
Furthermore, Ally is also civilly liable for double the amount of my finance charge in accordance to 15 USC 1640, and they are liable for each FDCPA Violation pursuant to 15 USC 1692K. I am demanding that they zero out the balance of this alleged debt and update my consumer reports, as well as remit payments to me for violations.

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 2022-02-08 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

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 2022-02-08 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America prepaid over drafted my account 10k and I never even had the card in my possession I've been fighting then for a year now and nothing has been resolved

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 2022-02-08 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: MS

Complaint narrative:
After communicating via mail and phone call on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I am now filing this complaint. Assist me in correcting my credit file which has several wrong account and personal information. DP OF EDUC is listed 3 separate times on my file and hinders me from taking care of my family. XXXX XXXX XXXX is a company that is obviously made up because I have not heard of them ever. XXXX XXXX XXXX  which I know is a collections company has listed on my report 2 times. They knowingly are attempting to collect on a debt that is not mine. XXXX to whom has duplicated a account that is NOT mine. XXXX XXXX I have never given them any information about me and I should not have a account. Every communication with Experian, XXXX, and XXXX about these issues they send out a letter about validation. Under 15 USC 1681a ( e ) it clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts. I know none of this has been done and even my family and friends know I handle my business.

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 2022-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: TX

Complaint narrative:
AMERASSIST AR SOLUTION last activity date of report : XX/XX/2021 account number : XXXX I called them asking for validation and they naver provided any king of document that i owed that debt, remove that account from my report as soon as possible. thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
My Loans are all very old and the schools I went to one dissolved, and one I did not attend for greater than a month but I was charged as if I completed the program.

These Federal student loans are incorrect and you are forced to repay incorrect information with zero chance to be heard.

This caused my family to become homeless because we could not even qualify for a low income rural loan for poor people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: MS

Complaint narrative:
After communicating via mail and phone call on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I am now filing this complaint. Assist me in correcting my credit file which has several wrong account and personal information. XXXX XXXX XXXX is listed 3 separate times on my file and hinders me from taking care of my family. XXXX XXXX XXXX is a company that is obviously made up because I have not heard of them ever. XXXX XXXX XXXX which I know is a collections company has listed on my report 2 times. They knowingly are attempting to collect on a debt that is not mine. XXXX to whom has duplicated a account that is NOT mine. XXXX XXXX I have never given them any information about me and I should not have a account. Every communication with XXXX, Transunion, and XXXX about these issues they send out a letter about validation. Under 15 USC 1681a ( XXXX ) it clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts. I know none of this has been done and even my family and friends know I handle my business.

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 2022-02-08 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: MS

Complaint narrative:
After communicating via mail and phone call on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I am now filing this complaint. Assist me in correcting my credit file which has several wrong account and personal information. DP OF EDUC is listed 3 separate times on my file and hinders me from taking care of my family. XXXX XXXX XXXX is a company that is obviously made up because I have not heard of them ever. XXXX XXXX XXXX which I know is a collections company has listed on my report 2 times. They knowingly are attempting to collect on a debt that is not mine. XXXX  to whom has duplicated a account that is NOT mine. XXXX XXXX I have never given them any information about me and I should not have a account. Every communication with XXXX, XXXX, and Equifax about these issues they send out a letter about validation. Under 15 USC 1681a ( e ) it clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts. I know none of this has been done and even my family and friends know I handle my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: FL

Complaint narrative:
I called the major credit bureaus XXXX, Transunion, and XXXX yesterday. XXXX helped a little but not fully. I was hung up on by XXXX and Transunion while requesting correction on my credit report. I have mailed 2 certified letters on XX/XX/XXXX and XX/XX/XXXX requesting the same corrections. I feel like the credit bureaus are playing with consumers and flat out laugh about how many times they can violate us and the law. I know that I must give the bureaus my written permission to even provide any information on my credit report and it must be signed by me. That is listed directly under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. I do not and have not given them my consent and require the removal of all incorrect and false information I advise in this complaint.

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 2022-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: United Collection Bureau, Inc.
State: NJ

Complaint narrative:
They sending me a letter for a debit card, that I never received or never had received money from them, they tried to scam me, I only have one bank card and I never received money from you guys, I want they stop sending me letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: TX

Complaint narrative:
After reviewing my credit report, I am not happy to see the below items that are still showing in there even after your investigation. Identity theft has happened to me. I meet all of the requirements for the Block and Removal of information on my consumer report that resulted from identity theft under 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: NJ

Complaint narrative:
After reviewing my credit report, I have informed you that following are inaccurate accounts, Please do your reinvestigation correct, update or remove accounts that I said incorrect and forward me an updated credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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:
After reviewing my credit report, I have informed you that following are inaccurate accounts, Please do your reinvestigation correct, update or remove accounts that I said incorrect and forward me an updated credit report immediately.

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 2022-02-08 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: TX

Complaint narrative:
I would like to know what type of game XXXX, Transunion, and XXXX are playing. Looking at my consumer report I have companies with more than one account listed like XXXX XXXX, XXXX, and XXXX XXXX BANK XXXX. I reached out in XX/XX/2021 and last week about the fraud happening with my report. Then there is a cell phone company XXXX listed and I would never do business with them they are too high priced. If I have not learned anything at all in financial training I learned that per 15 USC 1681 ( a ) ( XXXX ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I have to give the go on listing anything on my consumer report. The bureaus do not have my consent and are violating me and the law. I want this fixed in 15 days max.

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 2022-02-08 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: FL

Complaint narrative:
I called the major credit bureaus Equifax, XXXX, and XXXX yesterday. XXXX helped a little but not fully. I was hung up on by Equifax and XXXX while requesting correction on my credit report. I have mailed 2 certified letters on XX/XX/XXXX and XX/XX/XXXX requesting the same corrections. I feel like the credit bureaus are playing with consumers and flat out laugh about how many times they can violate us and the law. I know that I must give the bureaus my written permission to even provide any information on my credit report and it must be signed by me. That is listed directly under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. I do not and have not given them my consent and require the removal of all incorrect and false information I advise in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: FL

Complaint narrative:
I called the major credit bureaus XXXX, XXXX, and Experian yesterday. Experian helped a little but not fully. I was hung up on by XXXX and XXXX while requesting correction on my credit report. I have mailed 2 certified letters on XX/XX/XXXX and XX/XX/XXXX requesting the same corrections. I feel like the credit bureaus are playing with consumers and flat out laugh about how many times they can violate us and the law. I know that I must give the bureaus my written permission to even provide any information on my credit report and it must be signed by me. That is listed directly under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. I do not and have not given them my consent and require the removal of all incorrect and false information I advise in this complaint.

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 2022-02-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MI

Complaint narrative:
I have made between 11 and 12 years of payments on this loan. Yesterday, my cosigner was advised in that many years, less than {$1000.00} has come off of the principle of the loan. The loan was originally {$8000.00}. Yesterday, my cosigner was told I still owe them {$7400.00}. I feel like I am dealing with a loan shark. 
I don't even make {$40000.00} a year and give them what I can. I tried to get the cosigner removed and since I didn't make any payments the first year of the pandemic, and not being told that loan didn't qualify for no payments, they have marked my credit report in a negative way. I am happy to send a copy of the ledger of my payments. I will provide any identifying information you need to investigate this situation. 
This is holding up a mortgage loan for my cosigner. In fact, AES made him pay them {$150.00} yesterday! I have paid them over {$250.00} since XX/XX/XXXX because I borrowed money from my sister to be able to do so. Again, I make less than {$40000.00} per year, and my husband is XXXX and on Social Security. The way this is going, I will end up paying on an {$8000.00} loan longer than I will pay for my mortgage ( 15 years ). 

I have made the payments, and more than requested for a number of years. At the time when I could pay more money, I talked to someone at AES, on a recorded line, to ensure me that the extra money would go towards the principle. They agreed, yet evidently that was not the case. 

I also have federal student loans that I have not been able to pay on because I have been paying AES all these years. The interest rates on the student loans, most of which are from XXXX, I think I have around {$200000.00} of federal student loan debt that is at least 50 % interest. I am wondering if any of that will be included in the forgiveness/Navient settlement. I have received a XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I actually make less income now than I did when receiving the degree in XXXX. 

I was not able to complete my Doctorate because the school told me I was out of loan opportunities since I was not a clinical student. I was at the point of my dissertation when advised I had no more loan money to complete the degree. that was after being advised that I should not have any financial issues with being able to complete the doctorate.

Company response to consumer: Closed with explanation