vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
They call my wife XXXX to 5 times a day and will not stop. 

I did not know it was them calling her. U asked repeatedly last year for WRITTEN bill and explanation of the account, and all they ever said was " pay in full or else '' and " check your email? '' I have Direct Subsidized loans and unsubsidized.they claim they are not subject to the current pause on payments but will not consider letting me restart and just pay monthly. 

I asked again today about the phone calls and a paper bill and they said they will NOT stop calling EVER and the supervisor even said " maybe we should call you more often '' I can't get any explanation as to sh ythey won't forbear or defer up to last month even and let me make payments going forward. 
They are just rude and yell on the phone. When they call they have cursed at us and yelled at us and called names .... no wonder they lost their main contract! 

All I want is to be able to pay say XXXX a month for the rest if this year and have it paid off. 
I sent XXXX today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10 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: GA

Complaint narrative:
I am writing about the inaccurate information that continues to report on my credit file because of the negligence of the Equifax representatives. This is my 3rd and final attempt. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts. I have requested on numerous occasions for validation and verification that the Equifax employees have received to show these fraudulent accounts are mine and have received nothing. This is because there is nothing as these accounts were opened fraudulently. However, Equifax reports that they have verified these accounts are in fact mine. Who at Equifax verified this account? Who did they verify with? At this moment, these fraudulent accounts are only reporting on my Equifax credit report as the others have deleted this incorrect information. I also have several other accounts where I have submitted the police report to show they were fraudulent accounts. Once again, Equifax is still reporting these accounts and the other bureaus have deleted after investigation. These accounts are ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, ) These accounts have been deleted which I will attach, due to not being mine after investigation, but is still on my report. I have been fighting these accounts with Equifax for almost two years now. This is beyond ridiculous and negligent. I have also placed a fraud alert on my account to stop fraudulent inquiries and I have well over ( XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX ) fraudulent inquiries on my credit file. How is this happening? How are I being protected?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
After seeing my credit file in which I was unaware this debt even was owed I called Transworld Systems and paid it. I am requesting it be removed please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one is in clear violation under the FCRA 15 USC 1681 ( b ) permissible purpose of consumer report. The law clearly states ( a ) in general subset 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 instruction of the consumer to whom it relates. I did not give Capital one permission to furnish my utilization. Furthermore the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( 1 ) exclusions from a consumer report clearly states : ( 2 ) exclusion except as provided in paragraph ( 3 ) The term consumer report does not include - ( a ) subject to section 1681 ( s ) -3 of this title any- ( i ) Report containing information solely as two transactions or experiences between a consumer and the person making a report. Utilization is an experience with a line of credit that was extended between the consumer ( me ) and the person ( Capital one ) thats making the report. Congress clearly states that the report of transactions or experience between the consumer and the person making the report is not included on the consumer report. Therefore Capital one is in violation of the FCRA 15 USC 1681 ( a ) ( 2 ) ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: EQUIFAX, INC.
State: RI

Complaint narrative:
Account is 7 years old. Account is also paid. Creditor ( XXXX ) admits they have wrongly reported as opened in 2020. 

I ask Equifax to verify information. They say its already been disputed. I ask what verifying information they have, they say it must have existed at some point. How very convenient. 


This information is inaccurate and needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: Financial Management Solutions, LLC
State: GA

Complaint narrative:
I have been trying to get assistance with this matter to no avail. FMS Financial is erroneously reporting this as collections on behalf of XXXX XXXX. I have contacted FMS Financial directly and am not able to get assistance because they show the account is with Legal and informed me that I needed to speak with XXXX XXXX XXXX XXXX directly. XXXX informed me that she does not handle collection/credit reporting matters during our mediation with the XXXX XXXX XXXX when the dismissal was granted. I am not able to get to the right person to assist with ensuring that my credit reporting is updated and credit bureaus are not aware of the status. My rental history is showing a negative report by FMS Financial for {$3500.00} as of XX/XX/2021. XXXX XXXX is not able to assist and all connected parties are directing me to the other. 


Payments on the stipulated amount of {$2600.00} are being made directly to XXXX XXXX. Can someone please assist with confirming the receipt of the documents that were filed with the courts and that this is no longer in collections with FMS Financial? I reached out to XXXX 's office today and spoke with the receptionist who advised that FMS will be contacted and that I should follow-up. This has been the update given before with no change in status of my account. Please assist with reviewing the attached documents for the needed updates to be made. 

I am being denied housing because of the erroneous information being reported by FMS Financial. This was not an eviction and the stipulated amount is based on corrections being made due to erroneously being charged by XXXX XXXX and FMS Financial. 


Many thanks, 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 2022-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: NC

Complaint narrative:
Carmax auto finance continues to report a payment on XX/XX/2019 as a late payment, I have contacted the company numerous time but it still remains as a late payment on my credit reports, have also disputed via credit reporting agencies with no positive outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I went to apply for an apartment and was denied due to my credit. I checked my credit online and discovered that I had a collections on it from NATIONAL CREDIT SYSTEM for {$8300.00} that was opened on XX/XX/2019 on behalf of XXXX XXXX XXXX XXXX. I called to inquire and was told that this was for an apartment complex and that I owed the money for rent. I never lived at this apartment and have no knowledge of this debt. I provided proof to the apartment complex that I did not live there by providing them with payment history from the apartment where I did actually reside during that time period. I have a perfect payment history with all of the apartment complexes that I have resided at. I do not know where this debt came from. The apartment complex said they could not help me as the debt had been turned over to a collections ageny ( National Credit System ) I subsequently sent a certified letter to National Credit System asking for proof that I owed this debt and also sent them proof of where I was residing during that time period informing them that this was not my debt. It is my understanding that by law, they have to provide proof that I owe the money. They have not responded to my request and it has been nearly 60 days. I also tried to dispute this on my credit with each of the 3 credit bureaus but so far only XXXX has removed the collection. I need to get this off my credit and am hoping you can help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2021 I opened a case with the federal trade commission regarding some vital accounts and information associated with my credit report that was inaccurate. XX/XX/XXXX i proceeded to reach out to all XXXX bureaus as well as directly to credit furnishers and all documentation was mailed out certified mail XX/XX/2021. Under the XXXX XXXX they were given XXXX days to update all associated information and it has yet to be done. My next steps will be to affiliate the courts and also seek out compensation for the damage they are causing to my daily life. I am unable to move forward due to the fraudulent information they have yet to update. I have both the police documentation and identity theft report number as well as XXXX certified mail tracking numbers ensuring they received these documents and still failed to update 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 non-monetary relief
Consumer complaint received 2022-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I first received a call from " XXXX '' on Tuesday XX/XX/2021 at XXXX and XXXX. The number on my phone read Wells FargoXXXX. XXXX told me that someone had hacked my checking account and in order to reverse the charges I needed to follow his directions. He stated his employee ID was XXXX. He then instructed me to first send XXXX via XXXX and then XXXX via a wire transfer to XXXX XXXX XXXX account. XXXX then called me the next day XX/XX/2021 at XXXX saying that he had good news which was they had caught the guy that had taken my money his name was XXXX XXXX and that he was in jail but that he had taken more money out over my savings account-a total of {$22000.00}. He then instructed me to log on to my Wells Fargo account to keep my money safe. I followed his directions and wire transferred two separate payments XXXX and XXXX. XXXX followed up calling the next few days. When I missed his call on XX/XX/2021, I called Wells Fargo and they informed me that he didn't work there. I then followed steps to report a claim with Wells Fargo for the various transfers but no one at Wells is helping and they told me they cant get any of the money back. I have tried calling multiple times and have had difficulty with anyone responding. Given this fraud, I am hoping to use Regulation E of Electronic Transfers Act to get my money back.

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 2022-01-10 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC
State: WA

Complaint narrative:
Repeatedly Called using automated dialer and left detailed message on voicemail of cell phone that is not in my name about their attempt to collect a debt. Messages left on XX/XX/21, XX/XX/21, XX/XX/21, XXXX, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. One Advantage was told to stop calling the first time they called. Harassment and voicemail messages continue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My Personal Information was compromised and there were a number of inquires I did not authorize. Have contacted Credit Bureaus on numerous occasions to have these fraudulent inquires done without my consent to be removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2022-01-10 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: EQUIFAX, INC.
State: UT

Complaint narrative:
This company just continues to fumble the ball on my complaints. Please see the attached. I filed a recent complaint about them not taking off 1 of the many expired student loans. Now they sent me a recent duplicate with all of the items being " verified as yours ''. I never disputed anything as not being " mine ''. I said they were outdated and should be removed per the FCA laws! They've been removed from XXXX XXXX and XXXX but Equifax continues to be confused over what a true dispute even means vs a request. They seem to only have one way of operating with no gray areas or flexibility in comprehending what consumers are asking for. I don't get the mentality at this company and for the life of me can not understand why or how they remain in business! No thanks to them not securing their systems properly they jeopardized our personal info, now they can't figure out who to adequately comprehend a request. So my request to this continuation of a problem that shouldn't exist is listed below. I continue to say this company is full of inept greedy people that have no ability to do anything right nor will they ever as long as they are allowed to exist. The scariest part is this company is still allowed to handle very confidential sensitive information!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
Hi this app is not letting me have a account ever time I open one the close it saying I violated the terms and its a lie because all I do it get money from family members or send them I am not scamming or breaking any law they being unfair with me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: GA

Complaint narrative:
I am writing about the inaccurate information that continues to report on my credit file because of the negligence of the Experian representatives. This is my XXXX and final attempt. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts. I have requested on numerous occasions for validation and verification that the Experian employees have received to show these fraudulent accounts are mine and have received nothing. This is because there is nothing as these accounts were opened fraudulently. However, Experian reports that they have verified these accounts are in fact mine. Who at XXXX verified this account? Who did they verify with? At this moment, these fraudulent accounts are only reporting on my Experian credit report as the others have deleted this incorrect information. I also have several other accounts where I have submitted the police report to show they were fraudulent accounts. Once again, Experian is still reporting these accounts and the other bureaus have deleted after investigation. These accounts are ( XXXX XXXX XXXX, and XXXX XXXX XXXX, ) These accounts have been deleted which I will attach, due to not being mine after investigation, but is still on my report. I have been fighting these accounts with Experian for almost XXXX years now. This is beyond ridiculous and negligent. I have also placed a fraud alert on my account to stop fraudulent inquiries and I have well over ( XXXX XXXX credit, XXXX, XXXX ) fraudulent inquiries on my credit file. How is this happening? How are I being protected?

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 2022-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Placement Services, LLC
State: WI

Complaint narrative:
On XXXX XXXX I sent a letter to professional placement for verification for me for this medical bill without using my name and address they sent my medical bill after I received that letter I asked them to send me a release from for them to have that type of information because under the hipaa law no one should have that information only the hospital.after that they stop responding

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: Law Office of Monica Guilarte LLC
State: GA

Complaint narrative:
I have been trying to get assistance with this matter to no avail. XXXX XXXX is erroneously reporting this as collections on behalf of XXXX XXXX. I have contacted XXXX XXXX directly and am not able to get assistance because they show the account is with Legal and informed me that I needed to speak with Monica Guilarte Law Office directly. Monica informed me that she does not handle collection/credit reporting matters during our mediation with the XXXX XXXX XXXX when the dismissal was granted. I am not able to get to the right person to assist with ensuring that my credit reporting is updated and credit bureaus are not aware of the status. My rental history is showing a negative report by XXXX XXXX for {$3500.00} as of XX/XX/2021. XXXX XXXX is not able to assist and all connected parties are directing me to the other. 


Payments on the stipulated amount of {$2600.00} are being made directly to Monica Guilarte. Can someone please assist with confirming the receipt of the documents that were filed with the courts and that this is no longer in collections with XXXX XXXX? I reached out to Monica 's office today and spoke with the receptionist who advised that XXXX  will be contacted and that I should follow-up. This has been the update given before with no change in status of my account. Please assist with reviewing the attached documents for the needed updates to be made. 

I am being denied housing because of the erroneous information being reported by XXXX XXXX. This was not an eviction and the stipulated amount is based on corrections being made due to erroneously being charged by XXXX XXXX and XXXX XXXX. 


Many thanks, 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 2022-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
ONE MAIN HAS BEEN SENDING ME LATE NOTICES IN THE AMOUNT OF {$10000.00}. THE LATES HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with non-monetary relief