vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau of Columbia, Inc.
State: MO

Complaint narrative:
I called the hospital on XX/XX/2022. I was informed of collections when I called the hospital to make IN FULL payment for an account. I was unaware of this account ever going to collections. No letter was received or phone call ever made by the hospital or the collection agency. The hospital refused to take IN FULL payment and remove from collection agency and refused to let me speak with a supervisor because it was not the hospitals " protocol ''. Rep was not rude just refused to do what I had asked. I then called the collection agency to inform I am disputing this via email with the hospital and would keep them informed. I confirmed when this was sent to them and that I was unaware of this. The rep I spoke to kept cutting me off and not letting me speak and was rude overall. He informed me that this is reporting on my credit report ( which they can not do legally without notifying and giving a time frame to pay before being reported ). He went ahead and " put a delete code '' to remove from my credit report because they did in fact receive mail back stating I did not live at the address they had on file. This should have NEVER been reported because they did not follow protocol of when and how to contact someone before reporting. The rep then stated I have 180 days but then also stated I have until XXXX to pay. I once again explained that I have no issues paying in full after my dispute with the hospital for not allowing me to pay IN FULL and have this removed from collections. I will keep them updated. He then went ahead and stated they will tell you to contact us and at the end of the day regardless you owe a balance you refused to pay in the first place. Goodbye. VERY VERY unprofessional and rude. 
Once again I was unaware of this bill due to moving and mail getting mixed in. 
The hospital and collection agency did not satisfy the issue at had. Collection agency rep was unprofessional and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I received a collection notice from PayPal in XXXX of XXXX stating that I owed {$30.00} on an account. When I further researched this issue it was noted that this was a fraudulent account created using my maiden name and current address. The collection agency was able to verbally verify that they sent a flag alert to PayPal regarding this account and I reached out to XXXX Identity Theft Protection to submit a claim. Since XXXX my XXXX agent and I have called PayPal numerous times and each time we get a different PayPal agent who gives us the run around. We were told on several conversations that we would be getting an email confirmation that the fraudulent account was closed and then each time we call back we are told they can not provide us with the information. I am looking to get written confirmation that the account in question was closed and that I will be released from any financial responsibilities from this identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15 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: FL

Complaint narrative:
ACCOUNTS ARENT MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED. 

XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: FL

Complaint narrative:
ACCOUNTS ARENT MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED. 

XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
My judgement is for {$8000.00} + 5 % annually. My debt was purchased by Cavalry SPV. I have paid {$1000.00} in total payments. They tell me my balance is {$8300.00}. They will not tell me my beginning balance. And wont tell me where my payments have gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: PA

Complaint narrative:
I took out the loan through Sallie Mae in XXXX for my daughter. Along the way, the loan moved to Navient. I was encouraged to place the loan in forbearance and this happened several times in the past XXXX years. My original loan amount was {$18000.00} and I am now being informed that I owe an {$30000.00}. I did not understand the implications of placing the loan in forbearance and was encouraged by the Navient team to do this. In addition, due to the accumulating interest, I have been unable to keep up with the payments and my co-signor has been receiving letters from Navient. Needless to say, I feel that this is an invasion of my privacy and very upsetting. I feel that I qualify for the Navient lawsuit and want to be included to receive a discharge of this amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
I was on a COVID 19 forebearance and my loan was sold to fay servicing. 
It was my understanding that loans that were placed on COVID 19 foreberance would have all the payments moved to the end of the loan. 
Well, not in my case. They made me apply for a loan modification. 

They declined my loan modification with NO specific reason as to why I am declined. Its EXTREMELY difficult to communicate with them. 

Nobody ever seems to know anything. As I am on hold right now asking WHY was I declined for this loan modification, please be more specific there is no answer Furthermore, why put me on a COVID 19 forebearnce only to NOT help me at the end and then place me into forebearance with zero options What kind of HELP is this. The gentleman I spoke with is XXXX XXXX. This is a joke, I wanted to review my file with him and he refused. He actually told me HOLD ON PLEASE, I have another phone call calling me This clearly shows lack of professionalism and empathy. I told him 20 times that I want to review my file with him, yet he absolutley refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: CA

Complaint narrative:
XXXX XXXX and Experian listed a charged off account from XXXX XXXX on my credit report the end of last year, XXXX. I disputed the information and asked for them to send proof that I indeed did own the account. They couldn't provide me with the information therefore they deleted it from my account in XXXX of XXXX due to no findings or proof. Then, in XX/XX/XXXX the account reappeared back onto my credit report and when I filed a dispute now they're saying the account is valid but sent no proof of showing their findings, just that it's valid. The inconsistency of their reporting shows how it can not be trusted. I ask that XXXX and Experian delete the XXXX XXXX charge off from my account immediately if they can not provide me with a contract or proof that I own the 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 2022-06-15 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 with product or service terms changing
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
XXXX contacted me XXXX of XXXX XXXX about credit alert. Appears that I have a invisible Apple Card that is delinquent {$6.00} and listed as in arrears. The account has a start date of XX/XX/XXXX, coincides with new XXXX. I use XXXX, since XXXX, and XXXX XXXX XXXX. The drop in my score was XXXX points, down to XXXX. Contacted XXXX and then Apple GS. 
I have no account number, there has never been an attempt by Apple GS in contacting me about the activity on this " GHOST '' account. 
Apple will contact Goldman Sachs and try to sort this out. Hopefully restore my credit rating back to where it should be. 
Is there anyway to assure me that my personal data, SSN or other info, circulating on the web?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-15 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2022-06-15 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-06-15 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: GA

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

15 USC 1681 Sec 602A states that I have the right to Privacy.

15 USC 1681 Sec604A Sec 2 also states that a consumer reporting agency can not furnish an account without my written instruction.

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 2022-06-15 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: GA

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

15 USC 1681 Sec 602A states that I have the right to Privacy.

15 USC 1681 Sec604A Sec 2 also states that a consumer reporting agency can not furnish an account without my written instruction.

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 2022-06-15 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: CA

Complaint narrative:
I am XXXX XXXX, and I am submitting this complaint on my behalf I been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these account violate the FCRA and FDCPA these accounts must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2022-06-15 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I used Equifax to monitor my credit report at that credit reporting agency and they have been asking for personal identification multiple times without having an updated credit report. I also am unable to add a personal statement to my credit report for a derogatory credit entry that I am trying to explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Since 2018 I have made countless request to have this debt validated. I have asked for itemized bills, I have made official disputes and I never get any response on the validity of this debt nor can they prove that it is my debt. I do not have any knowledge of this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation