vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Resource Systems, Inc
State: CA

Complaint narrative:
In XX/XX/XXXX, I did a XXXX at XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX, CA XXXX ), but the doctor didn't told me that the XXXX XXXX XXXX XXXX is a out of network before sending me to the center, not providing any financial estimation as well, they billed me {$1300.00} about XXXX months later after finishing the XXXX, I would have went directly to the lab and went to the hospital if I known this was going to be this much. 

I had a couple a phone calls with XXXX XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX for negotiating the bill, the final call was to ask them to provide evidence for providing financial estimation before sending me to the center or XXXX. However, I have not received the related documents. 

Then they just sent this bill to a collection agent ( UNITED RESOURCE SYSTEMS ) at XX/XX/XXXX without sending any notification, even the collection agent did not sent me any mail or any other notification about this collection, in other words, I do not even know I have this collection until yesterday I was going to query my credit report. No any mail before and after the provider sent this bill to the collection agent. 

Three things, 1 ) this was a surprise medical bill. 2 ) sent to collection agent without any notification. 3 ) doing medical collection during covid pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I applied for an Apple Credit Card through Goldman Sachs and my application was denied because of my credit and things on my consumer report. I can not be denied because I am the one who is extending credit to them, not them extending credit to me, especially since I make more than enough money to get any credit card I want. Per to 42 USC 408 asking for my social security number on any credit transaction is unlawful because there is no lawful money, and thats a crime. Also, per 15 USC 1602 ( g ), me, the consumer, is the creditor. I feel like I have been discriminated against by this companys actions for applying for this credit card. It is against federal law to be discriminated against for a consumer credit transaction per 15 USC 1691 ( scope of prohibition ). As a federally protected consumer, my rights have been violated and if this matter is not fixed, I will pursue actions for monetary damages for having my rights violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Services # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a Consumer reporting agency can not furnish an account without my 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 2022-08-30 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: NJ

Complaint narrative:
On XX/XX/XXXX and XXXX, 2022 I wrote to XXXX, Equifax, and XXXX in regards to deleting these poor investigated items : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I received correspondence stating the accounts were verified. If accounts were verified why are they deleted from XXXX? Please see that my deleted items are deleted from all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have never had an account or debt with the below company and I have informed Equifax numerous times of this. 

XXXX Last reported XX/XX/2022 {$100.00} Open balance XXXX XXXX  Original creditor This is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
I was approved for an Avant card in XXXX of this year. The company has since locked my card without cause and I am unable to use it. They are still reporting the account each month on my credit. When I contacted the company for more information I am told to email utilities bills and other personal information. After doing so I am told to send more emails to different departments and no resolution has happened. This has been only for 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: NC

Complaint narrative:
I am a victim of identity theft. My personal information was taken from a storage unit I had that was auctioned off. Please delete these items immediately, I have reached out to all creditors as well. 

XXXX XXXX {$250.00} XXXX XXXX {$230.00} XXXX {$270.00}

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 2022-08-30 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: TX

Complaint narrative:
I spoke to an agent on yesterday at TransUnion regarding an account that was reporting as fraud on my credit report XXXX XXXX XXXX XXXX. It has been disputed before, and Transunion has came back and stated that it was verified. I even provided a FTC Statement to validate this item as fraud. At this point Transunion has violated my rights according to the FCRA. 

In accordance with the fair credit reporting act Transunion has violated my rights. 

15 USC 1681 Section 602 states I the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without written instructions. 

15USC 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-08-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Pursuant to 15 U.S. Code 1681cXXXX - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Fairway at XXXX Apartments in XXXX TX XXXX XXXX is XXXX XXXX who have not and refuse to valid debt To Whom It May Concern, I have an issue with my final bill that still hasnt been cleared. I was told by the property manager XXXX XXXX XXXX that this issue isnt handled by the leasing office. I assumed everything would be a dealt with quickly. Unfortunately, that was not the case. I XXXX XXXX XXXX and my daughter XXXX XXXX XXXX occupied the apartment located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX from approximately XX/XX/XXXX until XX/XX/XXXX. I did give you my forwarding address which is still currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I was told that any final bill would credit against my deposit. I also spoke with XXXXXXXX XXXX XXXX regarding the bed bug treatment charge that was included in my final bill. I never had and still dont have bed bugs. From day one if you check your records, I requested monthly sprays due to bugs getting in my home. My home and was immaculate otherwise. I had technician in & out of my home for maintenance issues and bugs were never reported. I did however advise the rental office that the neighbors above me had several dogs and bad odor coming from their home. My tub and toilet backed up numerous times due to no fault of my own and bugs came to that restroom area. You sent a plumber a few times for that. Now if you choose to do that for prevention thats one thing but I should not be charged for it. Frankly the home was cleaner when I left than when moved in. I completely cleaned out the home when I left. Also, the main issue is that my deposit was Never applied to my account. You have sent this to a collection agency without doing you Due Diligence. I was required before moving in or signing the lease to get a $ XXXX deposit. This was Never applied to my bill and the difference sent to me. The XXXX XXXX XXXX coverage # XXXX which I enclosed a copy of the original email receipt. Please note their phone number is XXXX. I did reach out to that company on my own and was told No One ever reached out to them to close my account or let them know I moved out. Perhaps this is an oversight but its quite a major one. I insist you must rectify this situation Immediately. I want this removed from my credit Immediately from under both me and my daughters names. This needs to be taken away from whatever debt collector you sent this to. A good contact number for me and my daughter is XXXX and/or XXXX. Please contact me at your earliest convenience. I will truly appreciate getting this worked out swiftly. Thank you for your assistance. Please note I will be using certified mail for this. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX at XXXX, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying to validate some allege debt on my credit report for about a year now with the credit bureaus. there's several accounts reporting inaccuracies on my credit report. for my understanding every single account reporting on a consumers report should be accurate in order to be on a credit report. I have account that the collections agencies are not reporting accurate. I have sent validation of debt to the collection agencies which mist of them they never replied to it. and the rest are reporting inaccuracies. 

I have tried several times with the credit bureaus to try to validate such accounts, but they either replied with a letter stating that the accounts have been verified or never reply at all. I decided to filed this complaint because I don't know what to do to get them to remove the account from my credit report. 

the credit bureaus are XXXX, TransUnion, 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 2022-08-30 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to validate some allege debt on my credit report for about a year now with the credit bureaus. there's several accounts reporting inaccuracies on my credit report. for my understanding every single account reporting on a consumers report should be accurate in order to be on a credit report. I have account that the collections agencies are not reporting accurate. I have sent validation of debt to the collection agencies which mist of them they never replied to it. and the rest are reporting inaccuracies. 

I have tried several times with the credit bureaus to try to validate such accounts, but they either replied with a letter stating that the accounts have been verified or never reply at all. I decided to filed this complaint because I don't know what to do to get them to remove the account from my credit report. 

the credit bureaus are XXXX, XXXX, Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Called to ask me to take care of my debt. I told them I could do it in 4 payments over 4 months. They refused to work with me even though my debt was XXXX  related

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 2022-08-30 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION
State: CA

Complaint narrative:
By checking my credit report on XX/XX/XXXX, I discovered the following : -Sallie Mae posted that in XX/XX/XXXX I was 60  days late on a student loan payment, and 90 days late in XX/XX/XXXX. 
_____________________________________________________________________ On XX/XX/XXXX, I submitted the following letter to Sallie Mae 's Credit Retraction Department : To Whom it May Concern, On my XXXX credit report, it reports that I was 90+ days past due on loan # XXXX, attached. 
Per the attached Sallie Mae statements for accounting ending in ****, I have paid on time. I am enrolled in auto-pay, which ensures that the total amount due will be automatically deducted from my account before the due date. 

This is the schedule of payments reported on my statements ( attached ) from XX/XX/XXXX to XX/XX/XXXX : XX/XX/XXXX Amount Due {$9.00} *Amount Paid {$9.00} ( On Auto Pay ) * XX/XX/XXXX Amount Due {$9.00} *Amount Paid {$9.00} ( On Auto Pay ) * XX/XX/XXXX Amount Due {$9.00} *Amount Paid {$9.00} ( On Auto Pay ) * XX/XX/XXXX Amount Due {$8.00} *Amount Paid {$9.00} ( On Auto Pay ) * XX/XX/XXXX Amount Due {$8.00} *Amount Paid {$8.00} ( On Auto Pay ) * XX/XX/XXXX Amount Due {$25.00} *Amount Paid {$180.00} ( Manual payments on XX/XX/XXXX ) * Can you correct this mistake on my credit report? 

_____________________________________________________________ On XX/XX/XXXX, I received a response letter from Sallie Mae 's Credit Bureau Management stating, " We investigated your concerns and conluded that the information we're reporting to the consumer reporting agencies is accurate. '' Despite the proof that I paid the total amount due reflected on the monthly statements, and on time, they came to that decision.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I took out a private loan with Sallie Mae ( Navient ) on XX/XX/XXXX for the amount of {$53000.00} to attend the XXXX XXXX XXXX XXXX. 

During the last phase of my school, the school lost accreditation and the school was quietly sold to XXXX XXXX XXXX. 

After graduation the school 's president XXXX XXXX XXXX was convicted on federal fraud and tax evasion charges. Using student tuition to pay off house repairs, personal shopping bills, and gambling debts. Eventually the school closed I believe in XXXX making the backing of my technical degree invalid. 

During multiple instances I attempted to forbear my loan, which they did not offer, being unable to make anything but interest only payments not wanting my loan to default. Entering forbearance in XXXX of XXXX where I continued to struggle to make payments. 

Eventually there was the SWEET settlement offering cancellation to those who attended such for profit institutions like the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX University and many, many others. The criteria being the dates, the schools and the loans being in default. 

My account balance has not reduced at all with my loan, instead it has gone up to {$58000.00} while I continue to struggle to make the interest only {$390.00} dollar payments. 

It seems as if that due to my attempts to keep my loan out of default, I am now ineligible for any sort of Loan forgiveness by Navient, even though the school has closed making my degree invalid, and the former president of the school was convicted of federal fraud and financial crimes. 

This, in my opinion is an egregious oversight on loan forgiveness and the crimes committed by the institution I attended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2022 {$200.00} was transferred from my Capital One Bank account to XXXX XXXX. I did not initiate this transfer. On that same day I checked my XXXX XXXX and the funds were never deposited so I did a fraud investigation. Capital One Bank provided a provisional credit of {$200.00} and took it back after my claim was denied. I provided documentation showing the funds never came to me and disputed it again with the same results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-08-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation