vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I was never billed for services. I disputed the debt through credit karma. That lead me to contact the collector. They suggested I reach out to my insurance. XXXX XXXX they were never billed for services, to contact the dr office directly. Tried to contact by phone, would not connect. Went there directly, and they moved to hazard. Got the new number and called. They informed me the dr started completely fresh and had ZERO patience records. Can not find a single location or bill stating I owe anything. Contacted the collections again. They said that they mailed me 1 letter that was returned and robo called me roughly every 2 weeks to try to collect the debt. I keep very extensive records. XXXX sends me a copy of every piece of mail that gets sent to my addess. There was no mail sent to my address for the day they sent the letter or 7 days afterwards. I was told at this point it is past the date to dispute and a dispute now does nothing. My options were to pay it or let it sit on my credit for 7 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CO

Complaint narrative:
My federal student loans were forgiven through the PSLF program ( I'm an XXXX XXXX military member XXXX XXXX  ), and I received confirmation from Mohela via a memo dated XX/XX/2023 through my account 's digital mailbox ( memo attached ) stating that I met the requirements for the PSLF. The amount for the 2 forgiven loans ( {$18000.00} ) is still showing on my credit report because Mohela has not contacted the reporting agencies to confirm that those loans should be struck from my records. Being XXXX XXXX military and moving to a new base every 3 years, it will negatively effecting my ability to plan for and get approved for our next home loan. 

Additionally, I made additional qualifying payments toward the PSLF program while my application was in review. A Mohela representative ensured me that I would receive a refund check from the US Treasury for the amount of those additional payments that I made to my federal loans. I have not received it. 

Its been almost a year since my package was approved and processed, and these two simple administrative issues are still unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing to dispute an item on my credit report that appears to be associated with Midland Credit Management. After reviewing my credit report, I noticed TWO entries from Midland Credit Management, which I believe to be inaccurate and unjustified. The entries in question have the same account numbers, reporting TWICE. Acct # XXXX with 2 different $ amounts that are similar.

I want to make it clear that I have no contractual agreement or any business relationship with Midland Credit Management. I have never entered into any agreement, contract, or transaction with them, nor have I received any services or goods from them. As such, I dispute any claim of debt owed to Midland Credit Management. 

According to the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be included in consumers ' credit reports. Since I have no contractual obligation with Midland Credit Management, and have received no proof of ownership, including any documents with my signature, I request that these entries be promptly removed from my credit report. 

I kindly request that you update my credit reports with XXXX, XXXX and XXXX accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
im trying to file a dispute online and transunion did not let me upload to documents showing that my student loans were transferred. i called XXXX XXXX XXXX but the person was in XXXX  i asked to speak with an XXXX  but they hung up

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 2024-02-16 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
I recognized unauthorized inquiries reporting on credit karma, I sincerely request that these unauthorized inquiries stop reporting for I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
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 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 explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
I recognized unauthorized inquiries reporting on credit karma, I sincerely request that these unauthorized inquiries stop reporting for I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
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 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 non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: MOHELA
State: IA

Complaint narrative:
In Fall of XXXX, I enrolled in law school at the XXXX XXXX XXXX I held previous student loans from XXXX that were coming due for repayment in XX/XX/XXXX. Prior to repayment beginning on XX/XX/XXXX, I submitted a request for the SAVE Plan and requested to be taken out of in-school deferment. The reason for this request is that, due to my low income, under SAVE my monthly payments would be {$0.00} and my interest would not accrue because of the {$0.00} qualifying payments. 

Despite my timely application, MOHELA did not process my request until late XX/XX/XXXX. The message stated that my request to be taken out of deferment would take effect in XXXX. This means that I accrued hundreds of dollars in interest for XXXX that I otherwise should not have had to pay under SAVE. 

In XX/XX/XXXX, I was immediately told that I was put back into in-school deferment. This means that, to date, I have never received the benefit of the SAVE plan AND I was told I had to resubmit the application for SAVE again and it would take 60+ days to process. This essentially means I'll have to repeat the same process again throughout my time in school and I will be charged exorbitant amounts of interest that I shouldn't have to pay, since I'm eligible for the SAVE plan. 

I have called numerous times and am always transferred to a supervisor. Once this happens, I either face several hour long wait times and nobody ever answers, or I get sent straight to voicemail. 

MOHELA refuses to waive my interest fees from XXXX despite the fact that I shouldn't owe them under SAVE. They also sent me a bill saying I owe $ XXXX now, but my payment should be {$0.00}. I get transferred and can never get anyone on the phone to help me adjust my monthly payment, and they even said when they tried to adjust it, the system says I am not eligible for SAVE.

Every agent tells me something different, I am accruing thousands of dollars in debt due to their negligence, and nobody will assist me. I have been trying since XXXX. It is clear that they do not know what they are doing and I will be financially harmed if this continues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting 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:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused serve XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However how is this true when there are several inaccuracies showing on my report? 


As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S. Code 168i ( 7 ) Method of verification- Description of reinvestigation procedure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting 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:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc.
State: TX

Complaint narrative:
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tarpon Financial Corporation
State: GA

Complaint narrative:
I have no knowledge of this account, and I would like for it to be removed off my credit report I have been a victim of identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX XXXX XXXX XXXX ) // XXXX ( XXXX XXXX XXXX XXXX XXXX ), has violated my rights. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-02-16 00:00:00
Product: Credit reporting 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:
Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX XXXX XXXX XXXX ) // XXXX ( XXXX XXXX XXXX XXXX XXXX ), has violated my rights. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting 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:
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting 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:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WY

Complaint narrative:
The credit cards with USAA, XXXX, and XXXX have extremely high interest rates, variable, and after 6 years of paying them on time, I still have the same balance. I have paid off the principle 3 times on each card, but the payments are so high I then use them to live so the balance never goes down. This year I called all 3 companies in an attempt to negotiate the principle so I could pay them off. They will not negotiate. Again, I have paid off the principle amount 3 times. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank Care Credit which is to pay for medical related bills. They are requesting I pay a minimum due amount of {$30.00} on or before XX/XX/XXXX. If I refuse to pay the minimum, I will be accessed a late charge. The issue with this is on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I submitted payments of {$50.00} each time. I have other credit cards and I always pay more than is due or pay the full amount. I pay forward and there should be absolutely no reason for me to pay any minimum due when I have already satisfied the {$30.00} payment for XXXX. They are threatening to charge me late fee interest which is absurd! My credit score is just over XXXX and this rinky dink company wants to blemish my credit history. My balance on this account is only {$210.00}. I will make additional payments during the month of XXXX and likely pay the remaining balance. The full balance is due XX/XX/24 ... Why continue to send me a statement for money they have already received???

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 monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc.
State: TX

Complaint narrative:
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
XX/XX/scrub>XX/XX/24 overpaid Citibank credit card {$10000.00} XX/XX/24 requested refund of overpayment and was told to process refund online which I did. No additional funds beyond overpayment were requested or processed XX/XX/24 Charged {$470.00} cash advance fee and Citibank customer service says to wait until statement is issued and the fee will be reversed XX/XX/24 Statement issued and Citibank Customer Service refuses to refund the fee XX/XX/24 Supervisor XXXX says she will refund the fee XX/XX/24 Fee remains on statement and Citibank refuses request to refund

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 monetary relief