vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: WI

Complaint narrative:
Sent This Letter & did NOT compile or respond - still on all three ( 3 ) CRA 's Mailed XXXX Credit Management Company XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Acct # xxxxxxxx {$180.00} To Whom It May Concern : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. XXXX. 
APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term 'breach of security ' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 
Please also attach : copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting ; or verifying this account on my credit reports. 
I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to le charges and/? or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB , XXXX  and State Bar associations for violations of the FDCPA, FCRA XXXX and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Wisconsin medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony closed my account due to a monthly payment not going through. I have been in good standing since opening my card and this occurrence only happened because I moved and changed jobs which made it hard to keep track of everything. Ive been paying off all my other cards and my credit was at excellent before Synchrony abruptly closed my account. Ive also paid the past due balance and filed an appeal to the account closure. No one has reached out to me about it or addressed it. When I spoke to someone on the phone they said they couldnt do anything about. Ive now been charge 200 % in interest. Synchrony not only has terrible customer service but use coercive tactics to get more money out of their customers. This completely unfair given my payment and credit history. Id like to Synchrony to re-open my account, remove the 200 % interest and get me back to my normal payment schedule. Moving across the country has been difficult alone, this has made this experience XXXX more difficult.

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 2022-07-31 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: AES/PHEAA
State: FL

Complaint narrative:
XXXX XXXX PHEAA filed a default on an administratively approved deferment, forgiveness and forebearance scheduled XX/XX/XXXX - XXXX XXXX The default is purposeful. It has caused my XXXX score to drop from XXXX in XXXX year. Today, My XXXX score it's XXXX XXXX XXXX XXXX, and XXXX XXXX at XXXX. The scores snd recordings of default has drawn suspicions of these inaccuraciesare to ground student who contact XXXX and report professor is not her Account XXXX the school assigned to students file. NDSL ( National Database for Student Loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was earned. The same professor mismanaged my loans she said the Top graduate named XXXX, on XX/XX/XXXX XXXX her transcript. She received honors appertaining to her academic excellence and strong leadership should have graduated on XX/XX/XXXX and diploma delivered. The professor unauthorized to manage my student loans said she isn't giving me nothing and called lawyer stating I must cease and desist. It's a FERPA, Title 4, and Title 6. 

XXXX. 
I. XXXX, My career sought as a XXXX XXXX XXXX XXXX XXXX in XXXX, is negatively impact from scam artists in my school who embezzled student loans, and invaded priacy of wxecutive acvount XXXX XXXX the assign loan officer of students financial aid. The student school records was an open portal to anyone which caused {$14000.00} an unrecognized distribution or an unknown scholarship the svhool did not want to pay. The student did not apply for loans so small. Its hate of me at the school because I called police on a professor who was a financial aid manager and she refused to reimburse the student missing money {$16000.00} and unauthorized money, {$14000.00}. The professor cashed on date XX/XX/XXXX {$14000.00} and paid outside of students scheduled loan distribution this money to another bank account the student didn't setup with school. Additionally, a refund check approved for graduation amount {$16000.00} description direct grad plus loan was compromised and sent back to lender causing student to be placed in default with XXXX XXXX and creditors. The professor apparently paid someone else or placed money in a bank account to use when conventient. 

The students Bank was at the time XXXX who sent student letters from fraud investigators that they had not received the loan deposit on distribution of FedLoan on scheduled date XX/XX/XXXX Amount {$16000.00}, nor an unauthorized loan student did not request possibly a scholarship the professor who disliked her did not want to pay dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK
State: NY

Complaint narrative:
I requested validation of debt on XX/XX/XXXX, from Discover Credit Card which refused to but still continues to report to the credit bureaus XXXX, XXXX, and XXXX. 
Failed to respond to any written disputes within 30 days. XX/XX/XXXX. 

No presentment of proof of license and/or permit to regulate, issue or collect on the promissory notes of the XXXX XXXX, XXXX XXXX XXXX has XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
My name is XXXX XXXX in XXXX A social security Scam was ran on me, putting me over {$30000.00} in debt, previous to that I had a excellent credit score at XXXX i think, give or take! XXXX I did a police report, life spiraled into crisis covid came, then was unfortunately XXXX for a year! Around XXXX of XXXX, I started paying my debt, paid it off around XX/XX/XXXX! XXXX years of struggle, and covid, but i still handled my debt responsibilities! But my credit score is only XXXX, but it was XXXX before I got scammed and I've had secured, XXXX secured cards for close to a year! I actually paid my debt off and sustained credit cards to show my credit worthiness! 

Who can I write or speak with, i haven't been given a reason why my credit score wasn't restored after I paid my debt off! And I also had XXXX secured credit cards while paying my debt off!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I pay of my Aspire credit card, and was told my late fee would be taken off, and am still being charged late fees upon late fees. As a result my card was canceled without notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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 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 2022-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I fell on hard times due to the economys up and down drifts and world finance closed my account. Which is a charge off on my credit report. I would like to work out a payment plan and to have them re open it or atleast not have it as a charge off so I can start paying it down in increments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX AUGUSTA COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: Merchants' Credit Guide Company
State: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Account # XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, AND XXXX, MERCHANTS CREDIT GUIDE 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 a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: Choice Recovery, Inc.
State: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX, Account # XXXX XXXX, CHOICE RECOVERY ACCT XXXX, AND 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 a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 2022-07-31 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: Nelnet, Inc.
State: AL

Complaint narrative:
I have requested for nel net and dept of education to change the balances on the loans I have a XXXX XXXX. The company promise to remove the balances to XXXX. The lender are not requesting for the loans that I have that are transferred/closed account. 
They are still sitting on my credit report appearing as double loans. They have the same account numbers, I really would like for the lenders to remove the closed loan accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Netspend Corporation
State: CA

Complaint narrative:
dispute claim number XXXX, net spend prepaid business card corporate office and costumer service ignoring my dispute, they never try to help me to get stolen money back to my account, costumer service very rude, I don't know what to do any more with this bank!

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 2022-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
XXXX Notice for validation. This debt was put on my credit report without notice and I want to validate the debt with a itemized bill to confirm amouts owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
XXXX Notice for validation. This debt was put on my credit report without notice and i would like them to validate that the debt with a itemized bill to confirm amouts owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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:
I ask the credit bureau to do a thoroughly verification of everything on my credit report they did and state everything was accurate. I then did a thoroughly look over it myself to find there were some improperly accurate on my credit report even after they did thoroughly verification and research. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX XXXX, Collections, Account Number or Identifier XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX In accordance with the fair credit reporting act XXXX  these accounts XXXX XXXX, XXXX XXXX, and XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. status I have right to privacy.

15 U.S.C 1681 section 604 A section 2it also states a consumer reporting agency can not furnish my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: TX

Complaint narrative:
I ask the credit bureau to do a thoroughly verification of everything on my credit report they did and state everything was accurate. I then did a thoroughly look over it myself to find there were some improperly accurate on my credit report even after they did thoroughly verification and research. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX XXXX, Collections, Account Number or Identifier XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX In accordance with the fair credit reporting act XXXX these accounts XXXX XXXX  XXXX XXXX, and XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. status I have right to privacy.

15 U.S.C 1681 section 604 A section 2it also states a consumer reporting agency can not furnish my 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 2022-07-31 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX a default on an administratively approved deferment, forgiveness and forebearance scheduled XX/XX/XXXX - XXXX XXXX The default is purposeful. It has caused my FICO score to drop from XXXX in XXXX  year. Today, My FICO score it's XXXX Equifax XXXX XXXX, and Fico XXXX at XXXX. The scores snd recordings of default has drawn suspicions of these inaccuraciesare to ground student who contact XXXX and report professor is not her Account Executive the school assigned to students file. NDSL ( National Database for Student Loans ) credential the XXXX  student as documented as XXXX XXXX was earned. The same professor mismanaged my loans she said the Top graduate named XXXX, on XX/XX/XXXX XXXX  her transcript. She received honors appertaining to her academic excellence and strong leadership should have graduated on XX/XX/XXXX and diploma delivered. The professor unauthorized to manage my student loans said she isn't giving me nothing and called lawyer stating I must cease and desist. It's a FERPA, Title 4, and Title 6. 

XXXX. 
I. XXXX, My career sought as a XXXX XXXX XXXX  and XXXX XXXX XXXX, is negatively impact from scam artists in my school who embezzled student loans, and invaded priacy of wxecutive acvount XXXX XXXX the assign loan officer of students financial aid. The student school records was an open portal to anyone which caused {$14000.00} an unrecognized distribution or an unknown scholarship the svhool did not want to pay. The student did not apply for loans so small. Its hate of me at the school because I called police on a professor who was a financial aid manager and she refused to reimburse the student missing money {$16000.00} and unauthorized money, {$14000.00}. The professor cashed on date XX/XX/XXXX {$14000.00} and paid outside of students scheduled loan distribution this money to another bank account the student didn't setup with school. Additionally, a refund check approved for graduation amount {$16000.00} description direct grad plus loan was compromised and sent back to lender causing student to be placed in default with XXXX XXXX and creditors. The professor apparently paid someone else or placed money in a bank account to use when conventient. 

The students Bank was at the time XXXX who sent student letters from fraud investigators that they had not received the loan deposit on distribution of XXXX on scheduled date XX/XX/XXXX Amount {$16000.00}, nor an unauthorized loan student did not request possibly a scholarship the professor who disliked her did not want to pay dated XX/XX/XXXX.

Company response to consumer: Closed with explanation