vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion use fraudulent information to make their summary on file number XXXX also they claim it from 300+ to over XXXX now, XXXX committed fraud with data that was fraudulent calling it a charge off, I close the account because of the fraud that was committed, XXXX stole money out of my bank account in the form of 3 extra payments, all so another bank did the same thing, yet it was investigated and TransUnion found in my favor, also XXXX XXXX did the extract same thing, also both companys violations use the courts without given me a summons to increase the amount into the XXXX of dollars, by not letting me go to court to defend my self

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 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Community Health Investment Company, LLC.
State: MO

Complaint narrative:
On XX/XX/XXXX, I went to a XXXX XXXX XXXX Urgent care facility in Tucson, AZ. Urgent care was a covered expense after copay by my then-insurer, XXXX XXXX XXXX XXXX XXXX. I paid the {$50.00} copay. On XX/XX/XXXX, XXXX made two payments of XXXX and XXXX to the medicare center, a document which I have. 2 and one-half years later on XX/XX/XXXX, I received a bill for XXXX for the same claim. I had never been contacted at all in the 2 and one-half years since the visit. I called the medical center for an explanation and was referred to a billing office in XXXX, who did not have the referenced document and did not want a copy, but said my insurer did not pay. I called XXXX, no longer my insurer, who could not locate the claim. I sent a letter challenging the claim with the documentation to XXXX, and received no response. They then referred the claim to PASI Collections in XXXX, TN. I challenged the bill, again sending copies of my correspondence with the medical center and a copy of the document showing payment. They denied the claim without explanation. I am unable to understand what I am being billed for, 2 years later, and sent another letter asking for an explanation. No response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Todd, Bremer & Lawson, Inc.
State: FL

Complaint narrative:
In XXXX, I enrolled for a XXXX XXXX  class at XXXX University to advance my career. My employer at the time had agreed to pay for this course but along the line, before the commencement of the classes, they decided that the class did not align with the company 's need at the time. Unfortunately for my family, at this same time, my sister was going through a rough divorce decided to move in with me to escape domestic violence. In order to ensure she wasn't relying on government handouts/assistance, I had to realign my personal costs and needs to accommodate my sister and her newly born child. 

My experience from attending Ohio XXXX University is that one has to pay for their classes by the first week of class otherwise such person will be automatically dropped from the course. I thought the same applicable to this University. At least so I thought, I believed everything was fine until I received an email from an advisor stating the professor of the course noticed I had not been in class for the first 3 weeks. I sent a reply to the advisor informing her that I could no longer attend the class because I could not afford the cost. The advisor then told me to withdrawal from the class and send an appeal application to the office of registrar for tuition reimbursement. 

I honestly wondered why I needed to appeal for tuition refund for a course I never attended nor paid for. But because the advisor said it was the process with them, I had to follow it and do it. 

I submitted my Withdrawal reimbursement application to XXXX University and never received a response from them. I called several times and sent email but did not receive a response about my appeal. 

One year later, I received a letter from a debt collector called XXXX XXXX  stating I owe XXXX University a sum of about {$2000.00}. I sent all my evidence and communications with XXXX University to XXXX XXXX and they stopped contacting me. 
Now two year later, I received a letter from another collector Todd, Bremer & Lawson , Inc dated XX/XX/XXXX that I owe a total amount of {$4000.00} to XXXX University Tuition & Fee. I believe XXXX University is trying to extort me and I can not allow that to happen. I never attended any class and do not owe any amount to XXXX University. They are trying to switch collectors in an  attempt to scare me into paying what I do not owe to them. The university registrar has never responded to any appeal or emails for the last 3 years. 

This claim with Todd, Bremer & Lawson is under the Account XXXX XXXX. The letter states to notify Todd, Bremer & Lawson , Inc 's office within 30 days of receiving this notice in  order to dispute this debt. I have written and sent a certified mail to Todd, Bremer & Lawson , Inc. informing them that I do not owe any of this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2017, I had identity theft reported to me by both opm.gov and XXXX credit monitoring services.  Since then, I have ordered freezes on all credit bureaus, sold both homes because of the ID theft, closed many accounts, and changed my address to a PO box. All accounts currently use the new address and can confirm old addresses.

I have had problems with the last few weeks accessing information on XXXX XXXX, as well as various accounts that provide me with free monitoring services.

I would like your help getting my free yearly credit report from all three bureaus as mandated by law.  

I prefer giving no information to the three credit bureaus, as XXXX has compromised my identity, I have evidence, and will be pursuing that at a later date.  Every bureau has dumpster dove to gather information without my permission or consent, and I do not want to provide them any new information for them to compromise or get hacked.

Please help me obtain my three free credit reports mandated by federal law by either US Post office, or online access.  I prefer you using my state attorney general, local law enforcement, FBI, or some other agency that could protect my identity should further information be required.  My social security number has stayed the same, and my mailing address is updated on every active account.

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 2019-12-10 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: U.S. BANCORP
State: TX

Complaint narrative:
I have tried on several Occasion in XX/XX/2019 and XX/XX/2019 to get my mortgage company to report to the three credit agencys. They said they cant and to would look into it. I filed for bankruptcy in spring 2019 but reaffirmed my mortgage and paid like I should have. The mortgage was not included into my bankruptcy. I cant get US bank to report my payments. Please help.

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 2019-12-10 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: AL

Complaint narrative:
I received numerous unauthorized credit inquiries from various lenders. I contacted each credit bureau as I have a fraud alert on my credit report as to why each of these lenders was granted access to my credit along with providing me a copy of my credit report so I can see and contact those who violated this alert.

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 2019-12-10 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: AL

Complaint narrative:
I received numerous unauthorized credit inquiries from various lenders. I contacted each credit bureau as I have a fraud alert on my credit report as to why each of these lenders was granted access to my credit along with providing me a copy of my credit report so I can see and contact those who violated this alert.

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 2019-12-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I Opened an Amazon Credit Card account and received the card. Problem is Amazon tacked on an unauthorized {$14.00} Prime Membership fee which I did not request. I called them and requested this be removed and they promised to do so. They asked that I call back in once again but honestly, since I already spent almost 2 hours on the phone with them, I see no reason to call team again. I need a refund as soon as possible and for them to reduce my balance accordingly. I never received the Prime Membership either so they are stealing. Thank You, 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
Consumer complaint received 2019-12-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: FastBucks
State: OR

Complaint narrative:
XXXX XXXX repeatedly calls and leaves voicemails for no other reason but to harass me and annoy me!

Company response to consumer: Untimely response
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Healthcare Revenue Recovery Group sent me a letter stating will obtain a copy of a judgement and mail you a copy if I dispute the validity of this debt or any portion thereof.

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 2019-12-10 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: Forster & Garbus LLP
State: NY

Complaint narrative:
I'm not able to modify my previously complaint so In order to submit new documentation received in the mail, I had to resubmit a whole new complaint. I've been trying to get XXXX XXXX XXXX to remove their account off my credit report and have disputed with XXXX  several times since XXXX of this year ( 2019 ), but I may need to dispute with XXXX directly. XXXX sold my account to a collections agency ( Forster Garbus ) and the collections agency had taken me to court in  which I won the case. Since I won the case, this credit card/Collections agency should be removed off my account. It is still reporting as late payments which is having a tremendous effect on my score. Of course, Forster Garbus submitted the wrong index number on all their documents to mislead me, but upon filing my information with the court they were able to locate the case and I was mailed proof of dismissal of the case. I've sent this documentation to XXXX  weeks ago and it's still on my report. Forster and Garbus were kind enough to send me a letter of dismissal as well, but NO ONE wants to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: NY

Complaint narrative:
I'm not able to modify my previously complaint so In order to submit new documentation received in the mail, I had to resubmit a whole new complaint. I've been trying to get XXXX XXXX XXXX to remove their account off my credit report and have disputed with Experian several times since XXXX of this year ( 2019 ), but I may need to dispute with XXXX directly. XXXX sold my account to a collections agency ( XXXX XXXX ) and the collections agency had taken me to court in which I won the case. Since I won the case, this credit card/Collections agency should be removed off my account. It is still reporting as late payments which is having a tremendous effect on my score. Of course, XXXX XXXX submitted the wrong index number on all their documents to mislead me, but upon filing my information with the court they were able to locate the case and I was mailed proof of dismissal of the case. I've sent this documentation to Experian weeks ago and it's still on my report. XXXX and XXXX were kind enough to send me a letter of dismissal as well, but NO ONE wants to remove this from my credit report.

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 2019-12-10 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: IL

Complaint narrative:
The three credit reporting agencies which are Transunion, XXXX, & XXXX  have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, Transunion, & XXXX  ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.

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 2019-12-10 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: MO

Complaint narrative:
I am currently a victim of identity theft, XXXX, XXXX, and Experian continue to report fraudulent activity on my credit report. XXXX XXXX has been filed XX/XX/2019, they did not comply within 5-7 business days according to federal law.

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 2019-12-10 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: MO

Complaint narrative:
I am currently a victim of identity theft, XXXX, Equifax, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX has been filed XX/XX/2019, they did not comply within 5-7 business days according to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
On XX/XX/2019, the principal balance of one of my outstanding student loans was increased by {$2100.00}. The increase is itemized as a " loan sale '' but I did not request any additional funds, nor did I receive such. Navient also did not notify me of this change, and I did not approve it. Because of this, and because this is not the first time Navient has made changes without my approval and outside what is allowed by my loan contract, I believe that my loan servicer is willfully defrauding me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: IL

Complaint narrative:
The XXXX credit reporting agencies which are XXXX, XXXX, & Equifax have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, XXXX, & Equifax ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: IL

Complaint narrative:
The three credit reporting agencies which are XXXX, Experian, & XXXX  have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three  credit bureaus ( Experian, XXXX, & XXXX  ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.

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 2019-12-10 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: GA

Complaint narrative:
On XX/XX/2019, XX/XX/2019, and XX/XX/2019, I filed a proper dispute about XXXX XXXX XXXX with Experian with account number XXXX and contacted XXXX XXXX XXXX with a dispute with request for Each bureau reports a different date of last activity and account has been re-aged on this unknown account. I sent certified mail to XXXX XXXX XXXX twice on XX/XX/2019 and XX/XX/2019 to VALIDATE which they never response to this unknown account. XXXX  properly investigated and deleted off my credit report on XX/XX/2019. On XXXX XXXX, XXXX  properly investigated and deleted off my credit report. Experian refusal to properly investigate or properly mark this account as in dispute as is in violation FCRA and FACTA. I included a copy of this unknown account being deleted off my XXXX  and XXXX  credit report. My next step will be to file a small claims in court with Experian for violating the FCRA and FACTA laws.

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 2019-12-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
on XX/XX/XXXX I original made a purchase of {$2700.00}. When I noticed that the cashier rang my purchase under 12 month same as cash plan I quickly return to the store. The Manager XXXX return the original purchase, and re rang my purchase under the 36 month plan. The issue at hand is that the original return was never credited to my account. So, I am being charge an extra {$2700.00}. I have been trying to dispute this charge since XXXX of XXXX. I have made several calls to Mr. XXXX but, he has not returned any of my calls. Every time i file a dispute the information that I send, and or up load to Zales website is either delete, or the company does not receive my documentation.

Company response to consumer: Closed with explanation