vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Remarks were added to all 10 accounts in response to my student loans being placed in an automatic forbearance due to the CaresAct. My credit score was drastically affected by this action. Credit scores were improperly damaged when their federal student loans were paused due to the CARES Act. Under the CARES Act, all federal student loan payments are paused as of XX/XX/2020 until XX/XX/2020. As a result, borrowers are not required to make federal student loan payments. Further, borrowers who do not make payments should have no impact to their credit score. Despite this law, my credit score was damaged anyway. 
I contacted the loan service company ( XXXX ) who stated that they did not make any changes to my loan account. I am not past due on any of the ( 10 ) student loan accounts listed. 
They are unable to explain the drastic credit drop at this time. Also contacted the credit bureau directly and they advided me to write a letter submitting a complaint. A letter was written and submitted to them as well.

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 2020-05-21 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:
Remarks were added to all 10 accounts in response to my student loans being placed in an automatic forbearance due to the CaresAct. My credit score was drastically affected by this action. Credit scores were improperly damaged when their federal student loans were paused due to the CARES Act. Under the CARES Act, all federal student loan payments are paused as of XX/XX/2020 until XX/XX/2020. As a result, borrowers are not required to make federal student loan payments. Further, borrowers who do not make payments should have no impact to their credit score. Despite this law, my credit score was damaged anyway. 
I contacted the loan service company ( XXXX ) who stated that they did not make any changes to my loan account. I am not past due on any of the ( 10 ) student loan accounts listed. 
They are unable to explain the drastic credit drop at this time. Also contacted the credit bureau directly and they advided me to write a letter submitting a complaint. A letter was written and submitted to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Remarks were added to all 10 accounts in response to my student loans being placed in an automatic forbearance due to the CaresAct. My credit score was drastically affected by this action. Credit scores were improperly damaged when their federal student loans were paused due to the CARES Act. Under the CARES Act, all federal student loan payments are paused as of XX/XX/2020 until XX/XX/2020. As a result, borrowers are not required to make federal student loan payments. Further, borrowers who do not make payments should have no impact to their credit score. Despite this law, my credit score was damaged anyway. 
I contacted the loan service company ( XXXX ) who stated that they did not make any changes to my loan account. I am not past due on any of the ( 10 ) student loan accounts listed. 
They are unable to explain the drastic credit drop at this time. Also contacted the credit bureau directly and they advided me to write a letter submitting a complaint. A letter was written and submitted to them as well.

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 2020-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I was contacted and scammed on XXXX of 2018 and I was XXXX enough to believe it was the department of education. They knew all of my information and where I went to school and everything and told me about a student forgiveness program I was eligible for ; based on my income. They said if I paid in {$550.00} then I could get into the program and I ended up putting it on credit thinking I could get my debt erased. I was tricked to believe that If I ended up making an substantial amount of money next year then worst case of scenario I would get my money backs I have the email where it was confirmed that I was accepted into the program and everything. It identified them as XXXX. Now I realized they just set me up with Nelnet, who I was paying my loan to for a forbearance and I was mislead this whole time. Now the number they gave me has been disconnected and everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed a recent copy of my credit report and noted several unauthorized inquiries. 

I have contacted the creditors noted below, and they stated that they have no evidence that I initiated the inquiries, either written or otherwise, and could not provide me with permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request that they be deleted from my credit report. 

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer Since there is no evidence that I initiated these requests, I request that these inquiries be removed from my credit report as per section 611 ( 5 ) ( A ) ( i ), and that you promptly delete the following items from my credit report. 

The following inquiries were not authorized : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  # XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Also Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account. 

This delinquent account record is inaccurate. I request that the following account be validated, or promptly removed On DEPT OF ED / XXXX Account XXXX accounts be removed because they are reporting last payments that are not accurate please remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Management, LLC
State: CO

Complaint narrative:
A-1 Collection Agency, LLC is pursuing payment from me in the amount of {$28000.00} on behalf of my deceased husband, XXXX XXXX, for services provided at the XXXX XXXX XXXX in XXXX XXXX, Colorado. My late husband had his own health insurance and these medical bills should have been covered under his healthcare plan. I was not a guarantor on his health insurance account ; I was not a co-signer ; this was not a joint account, nor did I sign any documents on his behalf. I am not a beneficiary to any of his estate that would cover any outstanding balances due on his behalf because there is no estate. I have attached a copy of the statement from A-1 Collection Agency, LLC, XXXX. XXXX XXXX, XXXX XXXX, Colorado XXXX XXXX - and have high-lighted the line item reflecting the {$28000.00} medical collection. I have tried to communicate directly with A-1 Collection Agency, LLC and explain to them that I am not responsible for this debt. Colorado is not a community property state and I am not a guarantor on this insurance bill so consequently this debt does not belong to me. A-1 Collection Agency, LLC is relentless in their pursuit to collect this outstanding debt and they are doing so illegally. I receive multiple phone calls throughout the day and evening. Pursuing a collection from me in the manner in which A-1 Collection Agency, LLC is operating is a violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity. The law, as amended in XXXX, restricts the means and methods by which collectors can contact debtors, as well as the time of day and number of times contact can be made. If the FDCPA is violated, a suite may be brought within one year against the debt collection company as well as the individual debt collector for damages and attorneys fees. In summary, this account does not belong to me and I am not responsible for this debt. A-1 Collection Agency, LLC needs to discontinue their unsubstantiated pursuit against me for this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$640.00}, {$10000.00}, {$6500.00}, {$15000.00}, {$12000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$640.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 explanation
Consumer complaint received 2020-05-21 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: LA

Complaint narrative:
someone used my info to get medical treatment at the er and i apply for something else idk what it is.

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 2020-05-21 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: LA

Complaint narrative:
someone used my info to get medical treatment at the er and i apply for something else idk what it is.

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 2020-05-21 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
NAVIENT STUDENT LOANS HAS BEEN CALLING ME A HARASSING AMOUNT OF TIMES ( OVER 5 TIMES A DAY ) FOR THE PAST 2 WEEKS FROM DIFFERENT NUMBERS. I WILL TELL THEM NOT TO CALL AS I AM AT WORK AND THEY WILL CALL RIGHT BACK AS IF IT IS FUNNY. TODAY XX/XX/2020 I ASKED WHAT SHOULD I DO JUST XXXX XXXX, WILL THAT MAKE THIS ALL STOP OR WILL YOU BILL MY SURVIVING FAMILY? XXXX THE SENOR RELATIONS MANAGER SAID NO, YOU HAVE NO CO SIGNERS SO THAT WILL STOP ALL COLLECTIONS ... AS IF TO RECOMMENDED THAT I SHOULD XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: TX

Complaint narrative:
My doctor joined XXXX XXXX XXXX midyear last year. I saw her in XXXX and my XXXX XXXX took care of it. I got a bill from the medical group last XXXX. I called XXXX to see what was going on. They told me that my doctor was in network, but that medical group which submitted the bill was not in network and so was paid out of network cost. The medical group wants me to pay the difference for their mistake and I will not do it and have told them so on a recorded call. Their calls to me are incessant. 

My doctor quit that group at the beginning of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Several years ago, i joined the PayPal business site. I used the credit occasionally. I have paid off the account. Awhile back I noticed that this company increased my credit limit. I did not ask for it either with PayPal or Synchrony Bank. I was just notified that they decided to reduce the credit limit ( XX/XX/2020 ). Which I didn't care because I don't use it. However, based on their unilateral actions in raising and lowering the credit limit this has affected my score. If I requested the credit increase and they granted and later dropped the increase I can live with that. However, they increased on their own and to punish me for their reduction is not right.

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 2020-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Hi, Im writting this report since today I found out JP Chase closed my credit card account for absolutely no reason. What bothers me the most is that it was my favorite account, which I believed I had the best relationship with, I never missed payments, I kept my balance always under the limit, I honestly felt betrayed by this institution. I understand banks have the right to close any account but for no reason is just painful. 

Thank you for reading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my 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 2020-05-21 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my 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 2020-05-21 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
I have filed twice with XXXX  that a debt for {$39.00} trying to be collected by credit systems inc of Colorado was already paid. Its a copay on a XXXX  visit. They told me I had nothing to pay then months later I was told I did so I paid it in full to my XXXX. The charge was {$35.00} and its been settled. The XXXX  is telling me they didnt send this to collections but credit systems are harassing me for payment. They have twice responded to XXXX  that they habe verified this debt. They have not. They are not verifying debts to be valid they are going off the initial information they received that is wrong. I know this because I called the XXXX  and they said its not in collections. They are illegally going after people to get invalid debts paid. I will be filing for legal recourse. Reporting them like this is step one. 

They need to be held accountable.

Company response to consumer: Closed with explanation