vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
Please see attached record of employment and screen shots from my account. FedLoan finally certified my qualifying service, but with huge errors. First, FedLoan omitted 24 months of service ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) even though they have certified my employment from my second employer. Second, they're not counting my service at my current employer, even though my application clearly says " I still work here. '' They've only counted 2 months ; I've worked at my current employer since XX/XX/XXXX, which means there's 3 months of services omitted. So by my count, I am missing XXXX  months of service. If these were accounted for correctly, then I would have loan forgiveness at this point. I'm so angry. They are incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Complaint involves all CRAs. 

Multiple CRAs, multiple credit scores, multiple scoring models makes it easy for lenders to use data as they please. This impacts the customer. 

Example : Through XXXX XXXX my credit score is XXXX using FICO model XXXX XXXX data. 

I applied for a loan with XXXX XXXX  and although approved the credit score came back at XXXX using TransUnion with a rate of 7 % Unsure what model used.

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 2022-02-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: KY

Complaint narrative:
I am filing this complaint against Sequium Asset Solutions , LLC, because they are trying to collect a debt that I agree I owe some on but I do not owe all of the fees they say I do and I have tried to contact the company to resolve this issue.. It is an original debt from XXXX, and they will not provide me with the documentation showing what I really owe. My bill was {$72.00} monthly, and the bill they say I owe is {$100.00}, because the last bill owed was {$91.00}, but they could not tell me why the bill was this much. I have been trying to resolve this with XXXX since XXXX of 2021. The XXXX phone number for this account was XXXX. All I want is for XXXX to show me an itemized copy of my last bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
In XX/XX/2001 upon my XXXX  XXXX. I instructed the ambulance to take me - from the airport to XXXX XXXX XXXX- because I have a charity care with XXXX XXXX. However, they decided to take me to XXXX XXXX I didnt know where this was at the time because I was in so much pain and couldnt breathe. 
However, upon getting to south XXXX it was decided upon that I needed immediate XXXX and it was done- but, I needed XXXX again & was transported to XXXX XXXX XXXX my request- but, medical situation dedicated otherwise. 
I was transferred and while being there I spoke to the nurses/doctors/social worker/s regarding my no insurance. It was taken into consideration and was given the speech on financial assistance -FAP . Upon release I wasnt given those documents- long story it was horrible to say the least And now we are here. So, Im surprised at this juncture Im reported to collections without given lawful ways via FCRA etc and calls after calls by agency how do i correct this? Also, they have placed these bills on my credit report Ive reached out to the agency twice and still no changes. Ive also contacted the hospital where they are willing to work with me for financial assistance but the bills keep showing up on my credit report even after I told the credit reporting agency - XXXX  and they have done nothing.

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 2022-02-26 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: AES/PHEAA
State: TX

Complaint narrative:
15 US CODE 1605 AND 1666B AND 1681 STATEMENT OF ACCOUNTING IS NECESSARY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights.

15 USC 1681 section 602 a states i have a right to privacy.

15 USC 1681 section 604 a section 2 also states 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 2022-02-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hired a moving company online virtually. 1 hour later I canceled because of negative reviews on the XXXX. I was told I would be refunded and was not. Td bank credit card charged me {$3500.00} for this and refused to open a fraud investigation. They told me I needed to sue the moving company which stupidly I did. This company does not exist and had its liscence revoked and was operating illegally when TD bank decided to pay the fraudulent charges. Needless to say TD bank is reporting my credit to XXXX major credit bureaus ruining my credit. There was never any services provided by this company. TD bank has dragged this out for XXXX  months while this fraudulent moving company has disappeared without a trace to be found. TD bank is also charging me fees that they cant explain what they are for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
We recently opened a Capital One checking account because our son as their XXXX-focused account and we wanted easier transfers. On XX/XX/22, my husband used the account to purchase ammunition or his hunting rifle online. Later that day, our debit cards started being declined and flagged for " card fraud '' every time we tried to use them. The first time was at our local XXXX, where we had previously used the card without issue. I contacted customer service, and they said they would place a fraud exclusion for the transaction type so it would not happen again. On XX/XX/22, my son tried to take money out of his account at a local ATM ; it was declined and flagged for card fraud. He followed the instructions to legitimize the transaction through the texts ; it indicated that the problem was resolved, but when he tried again, it declined again for card fraud. I then tried to use my card to withdraw funds ; it declined as well. I followed the text and in-app instructions to fix the problem and tried to use it at the pump to get gas ; it declined again. I then contacted customer service again and was told they would again play a fraud exclusion on it. However, when I tried to get gas an hour later, it declined again. I then tried to use it at the XXXX where a fraud exclusion had specifically been placed ; it declined again. We have not been able to access our money since my husband purchased ammo, despite repeated customer service contacts and attempts to escalate the issue. We can not get our money or buy goods and services, and we can not get help from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PACIFIC WESTERN BANK
State: CA

Complaint narrative:
I have spent over 40 hours in last 5 months in person and on the phone but still unable to locate my {$570.00}. 

XXXX has given me proof of payment, but the merchant bank claims that does not prove they received it. 

Amount : {$570.00} My bank : XXXX Merchant bank : Pacific Western Bank Date sent : XX/XX/2021 HOA : XXXX  at XXXXI 've sent an electronic bill payment online to my HOA and the it shows debit on my account and the HOA merchant bank claims they never received the funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-26 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, has violated my rights.

15 USC 1681 section 602 a states i have a right to privacy.

15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: NY

Complaint narrative:
I have disputed this account several times. This has damage my reputation with obtaining credit and so forth. This last time I disputed it Experian updated and deleted the account. DELETIONS IS ADMISSION.

Under 15 USC 1681 ( A ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2

) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

They violated all these federal laws and my consumer rights. I am entitled to compensation according to 15 USC 1692K ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}

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 2022-02-26 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I recently submitted an application for a Balance Transfer Credit Card to Wells Fargo Bank, N.A. They responded that they were unable to approve my request because a Credit bureau report shows consumer status as deceased. They falsely claimed this information was provided to them by XXXX, which is clearly not true. Copies of Wells Fargo rejection letter and the XXXX report are being submitted herewith. The Wells Fargo form-letter is signed by the Credit Department and provides no contact names or addresses, only a phone number. 

As you can see, the XXXX report ( # XXXX ) says nothing about me being deceased. It also shows I have excellent credit. I certainly dont deserve to have false information reported about me, nor does anyone else who may have applied. The bottom line is the reason given for my rejection is false. It has nothing to do with XXXX, and everything to do with an error or incompetence or questionable practices on Wells Fargos part. I would pursue the application with them directly, but at this point, I have no desire to have their credit card or to do business with them. I just want to make sure they discontinue these practices of providing false information about/to future applicants and/or denying applications based on false information. I strongly resent that addressing this issue took a substantial amount of my personal time to check all my accounts for identity theft, fraud, etc.

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 2022-02-26 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: NY

Complaint narrative:
" XXXX '' card has been reporting to my credit report for XXXX and Experian since 2019. 
First off, its fraudulent. Next issue is ive since many times reported this company directly, reported them to fraud, multiple disputes fraud alerts. Filed a police report with them through Experian. They finally closed the account and left it in negative/derogatory status.Leaving me with many missed payments or late. Also still sending payments and reporting to my bureaus even after being closed because of being opened fraudulently and also closed as chargeoff instead of never being open.

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 2022-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
A few weeks ago, One Advantage sent me a letter stating I owed a creditor money.

I responded by US Mail, with a 7-word note stating I owed no money and to refrain from contacting me again.

They contacted me again.

Less than two weeks later, they sent me a second note, with an enclosure an itemization, writing, Enclosed you will find the information you requested. I requested no information. Not only was this second contact unethical, they lied. 

I request that this harassment stop immediately. 

Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent 4 notarized dispute letters to XXXX and Transunion via certified mail to dispute inaccurate information currently reporting on my credit report. 

Transunion and XXXX lost 3 out 4 of the dispute letters after receiving them via certified mail. This was my 2nd attempt to dispute the inaccurate information after both Transunion and XXXX failed to investigate and fix inaccurate information currently reporting on my credit. 

I'm attaching the statement I've sent to support my claims

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 2022-02-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

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 2022-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CIG FINANCIAL LLC
State: AZ

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against CIG Financial Capital Incentive Group for committing identify theft. I have never given CIG Financial Capital Incentive Group any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CIG Financial Capital Incentive Group can provide me with sufficient documentary evidence that i have any legal obligation to pay them. If this documentary evidence can not be produced and CIG Financial Capital Incentive Group continues its collection efforts, I will file for litigation for actual damages caused and CIG Financial Capital Incentive Group will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/2021, Barclays XXXX XXXX by correspondence to me informed me that my billing dispute with ALL IN TICKETS had been resolved in my favor. Furthermore, to quote : " You will see a credit of {$560.00} [ the disputed amount in question ] on your next billing statement. '' From XX/XX/2021 to current billing statement, I have received no credit despite bi-weekly phone and written requests. Barclays XXXX XXXX continues to handle my request for the promised credit as another dispute case to be investigated, then " escalated '' to Dispute Center Managers without resolution. 
I am shocked that Barclays appears to have reneged on its promise of full credit in the amount of {$560.00} after resolving my billing dispute, withholding those funds promised to me in XXXX, XXXX, without further explanation. Barclays XXXX XXXX personnel seem oblivious to the patent facts of this matter, ineffectual in performance of the simple act of compliance with its own decision, in effect having stolen the amount of {$560.00} which rightfully belongs to me, by their own determination!

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 2022-02-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company.

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