vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: IL

Complaint narrative:
Transunion have injuries on my report that I didn't do. I even called car place and they told me it's nothing the can do. Inaccurate info on report. Etc

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 2022-04-26 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: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
Hi I see 5 hard inquiries that dont belong to me They are unauthorized this is not my account I had lost my license..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc
State: GA

Complaint narrative:
My daughter had a XXXX XXXX XXXXn XXXX. The visit was filed on my insurance. We did not receive a bill until XXXX of XXXX. I contacted the XXXX XXXX and was told they were having computer issues at the time of her visit and their bills did not get generated. This was unacceptable to me as this was now the next insurance year and therefore I could not pay properly out of my HSA as it was almost whole year later. I disputes with them and they sent me to collections. The collection agency contacted me and I did pay the balance. They did not report until after I had paid in full. I feel this is very unfair. I work hard to keep everything paid on time and my credit score high. I have contacted the collection agency several times and they will not take it off. XXXX and XXXX removed the item but XXXX would not. I would like the company to understand this error and please make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
The card I was issued, I just activated because of an emergency issue. The amount due was {$31.00}. The company took {$97.00}. ( confirmation # XXXX ). Now they're saying that I owe them over {$300.00}. THAT was the card 's credit limit. I only used the card one time. I activated the card a month ago. When I spoke with someone in customer service, the individual ( their name went blank ), repeated that I did owe this amount even after they admitted to taking the {$97.00} and abruptly hung up the phone. I want to sever this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I have a email from this companys property manager XXXX XXXX, from Edge at XXXX XXXX XXXXShe approved my refund amount {$170.00} and I received it, now they put it on my credit saying I owe them. I have contacted this company and they send me to someone voicemail or take my name down but this never gets resolved. They sent it to collections NATIONAL CREDIT SYSTEMS. This place resolves nothing just tells me to call the Apartments if I want any information or get this resolved.I have never had a call or received anything in mail from either company regards to owing this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
Was put on hold for 4 hours. Left my number so they could call me back... no return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: VA

Complaint narrative:
I filed a dispute on my student loans ( XXXX ) with Equifax and will be doing so with the other credit bureaus. They did not fix the issue. I was still in college in XXXX and graduated in XX/XX/XXXX. XXXX reported that a late payment in XXXX which I was in a grace 6 months after graduating and reported several in XXXX. I was in forbearance in XXXX as my mom had XXXX and even shows on their own documentation that I was in forbearance in XXXX. Equifax did not fix this issue and when I called XXXX they said they seen this but I would have to dispute it with the credit bureaus. It's ridiculous that I even have to do this to get this off of my credit report. XXXX made a lot of mistakes and has been sued for those and this is one of their mistakes that needs corrected. If I have to get an attorney to get this fixed I will. It says right on the paper work from XXXX that I was in grace and forbearance during these times. I will also being sending this complaint to the Department of Education and some other folks to look into this. 

Grace- XXXX Administrative Forbearance- XX/XX/XXXX through XX/XX/XXXX Administrative Forbearance- XXXX XX/XX/XXXX Admin Forbearance - XXXX XX/XX/XXXX Disaster Forbearance XXXX Voluntary Forbearance XX/XX/XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX and Account XXXX violated my rights. 

15 U.S.C 1681 Section 602 A. States I 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 my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Unable to access TransUnion website. Unrecognized inquiry on credit report dated XX/XX/2022. Informed agency.

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 2022-04-26 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: IL

Complaint narrative:
XXXX have injuries on my report that I didn't do. I even called car place and they told me it's nothing the can do. Inaccurate info on report. Etc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: MN

Complaint narrative:
I have given an FTC Report as well as attempted to contact Equifax regarding the removal of inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: NC

Complaint narrative:
In accordance With the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 602 A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: NC

Complaint narrative:
In accordance With the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 602 A section 2 ; it also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc.
State: OH

Complaint narrative:
Unlawful collection of debt, that was included in XXXX bankruptcy. The debt was orginally held by the ohio attorney generals office, but was turned over to a collection agency in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I recently found out that Midland Funding filed a lawsuit against me in Virginia where I do not t live. I was not served to appear in court and I knew nothing about the court dates. I do not live in Virginia. In addition, the debt they are trying to collect is outside of the statute of limitations in North Carolina where I live which is 3 years. I have disputed the information but they ignore my demands for proper handling of my account. I have not been sent any information. This can not be legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
Navient is trying to break their terms of the IBR program by mis-reporting my payments and 'fixing ' the estimated payoff date to some time far further in the future than the Federal Guidelines allow under the IBR program. I believe they " fixed ' the date by putting me in forbearance when I actually qualified for {$0.00} payment structure under the IBR program. This may have illegally extended my payoff date. Their 'no action ' correspondence has been attached.

Navient, my loan servicer, illegally extended the " forgiveness date estimate '' for three of my loans ending in XXXX, XXXX, and XXXX to XXXX. Under the IBR program, they are estimated to end roughly 25 years after origination. That estimated date is around XXXX based on my loan origination. 

All of my other loans, that were originated within the same timeframe are being reported much differently. Loans ending in XXXX, XXXX, XXXX, XXXX, and so on. These three are being widely mis-reported, while the other loans are showing to estimate loan forgiveness at a later date also, XXXX and beyond. 

When Navient customer service emailed me back after my inquiry, they refused to make the proper adjustments whereby potentially collecting beyond the Federal forgiveness date based on IBR guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experien was showing on my credit report an open loan from XXXX, with past due balances. That account was paid in full and always on time and that account was closed upon completion of all payments back in 2018. 
Ive spoken to XXXX about this and Experien. XXXX verifies it was closed and paid in full and never showed any late payments. 
I have asked Experien to remove this income and they havent. This erroneous information is affecting my credit score.

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 2022-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I received a bank statement from Bank of America in my maiden name, for an account I did not open. Then I received a letter from Bank of America stating they closed the account since they could not verify my identity.

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 2022-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
An account with Resurgent Capital Services was originally placed on my credit report in XXXX of XXXX. I have repeatedly asked for proper validation of the debt with the most recent request being XX/XX/XXXX. I asked for the company to provide the following information which would be proper validation of the debt : Please provide a contract, agreement, assignment, or other means demonstrating that LVNV Funding LLC or Resurgent Capital Services L.P. has the right to collect on the alleged debt - Please provide reasonable proof, such as an original, or copies of assignment agreement transferring the alleged contract or account in question from XXXX XXXX XXXX  over to LVNV Funding LLC to show an assignment has been made and that LVNV Funding LLC is the real party of interest. 
- Proof of your right to own/collect this alleged debt and that you are licensed to operate in the state of Ohio - Itemized statement of the balance claimed including all fees, interest, and penalties - Proof of assignment of debt from original creditor and notification - Amount that you purchased the debt for - A written agreement between myself and your company regarding this debt - Original cardholder agreement from the original creditor - Proof of assignment rights to Resurgent Capital Services L.P . 

In return, the company sent me a printout of an account summary sheet from their system and a printout of a credit card statement from XXXX of XXXX. This is the same information that they have sent me on every validation request since the account appeared on my credit report. This is a clear violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : 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 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : 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 2022-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FB FINANCIAL CORPORATION
State: LA

Complaint narrative:
My lender, First Bank Mortgage put forced flood insurance on my condo that I already had flood coverage on through my XXXX policy and the complex 's master policy. The forced flood insurance created an escrow shortage and my monthly note went from {$940.00} to {$1600.00}. I continued to send my regular note while I disputed the placement of the forced flood insurance. In XXXX, First Bank began rejecting my electronic payments and refunding the checks that I sent them for my monthly payment. Eventually, they cancelled the forced flood insurance and refunded my escrow, creating an escrow surplus. They also corrected the monthly payments ; however, they never corrected the balance owed as a result of the escrow shortage. First Bank Mortgage now says that I am in default of my loan and is threatening foreclosure.

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 2022-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I noticed this company attempting to collect a medical bill in XXXX of XXXX. The date of the medical visit was XX/XX/XXXX. My insurance company paid the claim submitted and then denied an additional claim for the same amount as it was a duplicate. I made a call to the company AR Resources and they advised me to email to have the collection removed and updated. Since then there has been no action and I again emailed them asking for immediate resolution and have yet to hear anything back. I am attaching supporting documentation to this complaint from the insurance company and my attempts to reach this company for resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: NY

Complaint narrative:
MY NAME IS XXXX XXXX XXXX FILE # XXXX .... I AM SUBMITTING THIS COMPLAIINT WITHOUT ANY INFLUENCE FROM AA 3RD PARTY OR AGENCY PLEASE SEE ATTACHED WHICH INCLUDES MY ID, FTC AND A STALL TACTIC LETTER RECEIVED FROM TRANSUNION.

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