vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-16 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 requested that you look into the material that I previously contested. I'm becoming frustrated since the items are still showing up on my report. If the material is not promptly reinvestigated and removed, and you continue to break the law in violation of the Fair Credit Reporting Act. I reserve the right to sue your firm or any other company you represent.

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 2022-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
For the account named above. I never signed a " HIPPA '' release form to share my medical records. According to the " Fair Credit Reporting Act '' this is a violation of my HIPPA Rights. Medical Revenue Services has obtained a copy of my medical records for services on XX/XX/19.

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 2022-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
My wallet was stolen and someone has been fraudulent charges and hospital bills from XXXX XXXX XXXX  and XXXX XXXX of the XXXX who are sharing and selling a debt that I have no knowledge of also a XXXX XXXX address in XXXX XXXX XXXX I have knowledge of my whole life is in shambles and I'm trying to pick up the pieces and move on I need help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was scammed into transferring money via a XXXX transfer. I never even heard of XXXX or asked the bank to place XXXX on my account. On Monday, XX/XX/2022, I received a text from a scammer who pretended to be from Wells Fargo ( please see below ) asking if I was intending to transfer {$3400.00} via XXXX and asked me to respond YES or NO. I responded NO and the scammer then phoned me and said he worked for Wells Fargo and I needed to log into my account to reverse the charges back into my savings account. I did as he said and had no idea, I was transferring money to him, not reversing the charges back to myself. As soon as I hung up, Wells Fargo called me and asked the same question. Was I transferring {$3400.00} out of my savings account? I said, no, however, I just spoke to someone from Wells Fargo and they fixed the issue. The woman from Wells Fargo then informed me that I was scammed. At that point, she was able to stop the {$1400.00} transaction, but was unable to stop the {$100.00} transaction. I filed a false transfer claim with Wells Fargo and was denied ( claim # XXXX ) as I was told that I have no protection with XXXX transfers. Banks should not be able to place anything on an individual 's account, such as XXXX, unless they get permission to do so especially if they do not protect the consumer from scams. I was never told anything about XXXX, therefore, was easily scammed because I was never educated about this transfer process by Wells Fargo. I work extremely hard for my money and can not afford to lose {$1000.00}! I hope you can help, however, if you are not, please let me know if this is something I can take to small claims court.

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 2022-02-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mortgage Research Center, LLC
State: TX

Complaint narrative:
In XXXX of XXXX when we bought our home our mortgage with escrow was {$1300.00}. In XXXX of XXXX we got a check for {$3700.00} because they charged to much in the last year for taxes. Starting in XXXX of XXXX our new mortgage was changed to {$990.00}. Now this month we got a notice saying they did not take enough through the past year and we now owe a surplus of {$5600.00}. That amount is to be taken out over the next XXXX months because of their XXXX in not taking out enough every month for our escrow that is their job to keep up on that. Now our mortgage for the next year has almost doubled going up to {$1800.00}. When I call Veterans United Home Loans to see what happened or if anything can be done the only thing I was told is that they submitted a form for our taxes to be assessed again and if those number come back right then we are just screwed and have to deal with it and pay that mortgage for the whole year. That makes it very tight for our family for the next year because this company did not do their job and XXXX us and doubled our mortgage.

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 2022-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: MN

Complaint narrative:
Dear, US BANK/ELAN FINANCIAL SERVICES This letter is in regards to the account ( XXXX ) reporting to my XXXX credit file. I am requesting that you contact XXXX in good faith and agree to delete/remove this account. It is set to be deleted/removed on XX/XX/XXXX which is 16 months from now due to the 7-year limitation negative reporting rule.

This account was fraudulently opened and used back in XXXX of XXXX. I have repeatedly tried to reach out and have this issue resolved due to the hardship this account has caused by being on my credit report while dealing with the damages of COVID-19. 

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 non-monetary relief
Consumer complaint received 2022-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: FL

Complaint narrative:
I called the automated system in XXXX to make my payment and given a confirmation number. I later discovered on my XXXX statement the payment was not accepted. I called my bank and informed the funds were available but the transaction request was never submitted. I conferenced my bank and Servicemac CSR to resolve the issue and informed the request was submitted twice but Servicemac couldn't provide an account number or proof of submission. I had Servicemac take the payment manually for the second time. This company appears to intentionally process payments incorrectly to charge late fees. XXXX XXXX XXXX XXXX have numerous complaints but the issue is never rectified. I enter the same account each month but it's a hit or miss if the payment is processed properly. This needs to stop. If the automated system is faulty then the payments should be taken manually without a fee.

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 2022-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TRANSUNION IS REPORTING XXXX/XXXX  MULTIPLE TIMES UNDER XXXX XXXX updated account information. THIS ACCOUNT XXXX/XXXX  IS A PAID IN FULL ACCOUNT AND ITS BEING REPORTED UNDER XXXX  XXXX  IN FOR TRANSUNION " ADDED TO ACCOUNT '' with no information not even saying paid The account are paid. It's just there reported multiple times.

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 2022-02-16 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: TX

Complaint narrative:
EXPERIAN did not comply with a proper investigation when I disputed the fraudulent late payments from the Department of EducationXXXX on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ). EXPERIAN is in violation of my Federal rights because I have alerted and made EXPERIAN aware of the fraudulent, inaccurate and unverifiable information on my consumer report multiple times and they continue to report these fraudulent late payments.This is causing me a great deal of emotional distress. I have attached a pdf document to this complaint which includes all the violations and reports which show the inaccurate balance and information reporting between EXPERIAN and DEPT.OF EDUCATIONXXXX. Look at these inaccuracies : 1. DEPT OF EDXXXX **** {$3800.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION  {$3500.00} 2. DEPT OF EDXXXX **** {$1500.00} ( 6 lates ) XXXX XXXX and XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$1300.00} 3. DEPT OF ED/XXXX **** {$1900.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$1800.00} 4. DEPT OF EDXXXX **** {$3700.00} ( 4 lates ) XXXX XXXXXXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$3500.00} 5. DEPT OF ED/XXXX **** {$7000.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$5800.00} The inaccuracies of reporting by EXPERIAN are above, how did EXPERIAN verify these accounts and are reporting the wrong balance? How can I be confident that they are doing a proper investigation? They are NOT. 

EXPERIAN did not comply with a proper investigation when I disputed the fraudulent late payments from the Department of Education/XXXX on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ).

I have also attached an FTC complaint and will follow up with a complaint to the Attorney General of Texas.

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 2022-02-16 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX 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 2022-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
About XX/XX/XXXX, I enrolled in TransUnion consumer online access account. 

I found errors in my information, and when I try to submit a request to correct the information, or to request a credit freeze, the website returns an error, and prompts me to call TransUnion at XXXX or their XXXX XXXX at XXXX. 

I called several times over the first week of XX/XX/XXXX. I was told that my profile had an " error XXXX '' associated, which would require manual processing. Each time that I called, a representative scheduled a " call back '' for me, which never happened. I was finally able to request transfer to their " XXXX XXXX XXXX Department, '' and the representative told me that I could expect a call back within XXXX days of XX/XX/XXXX. That also never happened. 

I called yet again the last week of XX/XX/XXXX, again insisting to be transferred to the " US Special Handling Department. '' That time, the representative told me that the " error XXXX '' will be resolved from my profile over the next week, so check my online access again after a week. That, of course, did not work. 

XX/XX/XXXX. I just called again, and a TransUnion representative told me that my account still has " error XXXX '' associated, and that there are no records on my account of any of my previous calls, any of the promised callbacks, and any resolution to this problem. The case given to me is # XXXX. 

I am XXXX consumer against the giant TransUnion credit reporting agency. I have no other resource or recourse. Please help me with this. 


Thank You

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 2022-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: VA

Complaint narrative:
I was three years into a fully funded Clinical Psychology doctoral program and Sallie Mae drained my bank account to negative - {$1500.00} leaving me stranded on the way to see a client as part of my doctoral clinical training. Needless to say, I did not make it to see my client that day who was struggling with a myriad of depressive symptoms. I was forced out of my doctoral program and am now stuck at a cieling I should never have hit due to their oppressive policy of not making accomodations for what is typically a 6-8 year program. Because it had been 4 years since completing my undergraduate degree, they did not care that I was on the way to being an expert in my field. I ended up turning to alcohol for relief which led to my entry into a rehab facility and left making the tough decision to forfeit my position within the class of 6 doctoral candidates that were selected from a pool of more than 1000 applicants ( a highly competetive and nearly impossible feat for a first generation college graduate in my family ). 


Sallie Mae encouraged me to default on my student loans so that I would qualify for income driven repayment following the first incident which tanked my credit and now I am sitting on {$100000.00} dollars of debt with the company and the income driven repayment plan is no longer in effect. I landed on my feet and work at a non-profit making {$82000.00} a year which is a fraction of what I would be making had I not had my career destroyed and path to success disrupted by such nefarious practices. I don't qualify for car loans, mortages, etc. While it may seem like I make a decent amount of money, I am paying at minimum 12 grand a year and barely scratching the interest accumulating on these loans. 

It's frankly criminal. I want to do things the right way, but it seems to me the only people being rewarded by class action law suits are the people who refuse to pay. If I were to refuse to pay my loans, I would not be eligible to work at the non-profit where I am currently employed and likely homeless. I have no savings, and barely get by between an outrageous car payment, rent, insurance, and food. What kind of backwards society sits by and watches bright young minds get crushed by big corporate swinging golf clubs as easily as they destroy dreams and the potential of a better world fostered by individuals with more intellect than their spreadsheet paper pushers will ever dream of having.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Hallstrom Law Firm PLLC
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: NJ

Complaint narrative:
For the last several years I have been disputing several accounts on my Equifax credit report. All they keep doing is updating the accounts and marking verified or just updating them. I have asked for the method of verification several times and still haven't received it. Today while looking up my disputes I noticed that some of these disputes we're just 2 days then closed which means they didn't actually verify anything and that's why I haven't gotten the MOV that I have been asking for the last couple of years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I called Equifax to report that I was a victim of identity theft. I began to explain this to the customer service representative and she stated I first needed to complete a XXXX question process before she could update my credit profile. The customer service representative then transferred me to Equifax consumer satisfaction automated line; rating the satisfaction of the experience with Equifax system. After answering the XXXX questions the system disconnected me and the customer service representative never resolved my issue nor explain to her that I faxed a police report supporting me being a victim of identity theft. Please investigate Equifax illicit practices ; and I'm also a victim of their data breach. My information has been compromised due to their security breach. I truly don't trust them reporting nor storing my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX XXXX, in accordance with XXXX XXXX XXXX  and 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