vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center
State: NY

Complaint narrative:
On XX/XX/XXXX I had an XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. In XXXX I was shocked to receive a bill for {$680.00}. I was shocked because ( 1 ) it was a XXXX XXXX XXXX XXXX XXXX and ( 2 ) they claimed it was not covered by my insurance. On XXXX  I called the XXXX XXXX phone number to get an itemized bill ( I requested clearly and itemized bill ) and to gain more details. I spoke to representative " XXXX '' who was evasive and did not want to provide an itemized bill. I asked for a supervisor and was connected to " XXXX ''. When I asked for an itemized bill, " XXXX '' hung up on me. I called back and after being on hold almost 45 minutes I got " XXXX ''. I once again stated my skepticism that a XXXX XXXX could be {$680.00} and once again asked for an itemized bill. " XXXX '' acted professionally and stated I would get an itemized bill, BUT I NEVER GOT IT. Instead I was refered to the collection agency Arstrat. From my insurance company I found out that the maximum allowable was {$380.00} and that my insurance company HAD paid them. I contact Arstrat on XX/XX/XXXX after then send me a collection notice. The initial representative was hostile and placed me on hold when I informed them that I was disputing the amount, would demand validation and that I felt it was medical insurance fraud. I demanded a supervisor and was connected to " XXXX '' ( sp? ). She was slightly more professional but also tried to make me jump through hoops re-stating all my information when they cleearly had it. To conclude, ( 1 ) I was over charged, ( 2 ) they have failed to credit my medical insurance payment and ( 3 ) put me in collections when I raised questions about this all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have incorrect addresses on my experian, XXXX, and XXXX report that i have never been associated with i would like all of them removed from my credit report immediately due to FCRA all information must be true and accurate they are all listed Below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ClearOne Advantage, LLC
State: MI

Complaint narrative:
XX/XX/XXXX clear one advantage offers to help reduce debt and stop high interest rates, and said able for them to help you have to at least have XXXX thousands in debt. So I send them credit cards debt XXXX XXXX  and a home credit debt for home improvement loans. Within 3 days they accepted both debt and inform me to close bank account with XXXX XXXX  which both debt was for, open an new account with different banks. So in XX/XX/XXXX I did just that. They sign me with XXXX  account to take money out of my checking account every month while they negotiate with bank to reduce debt. They stay I. Touch monthly letting me know they where still working with XXXX. So in XX/XX/XXXX they inform me that they got an offer on one of the debt and ask me to increase the withdrawal so I would have more money build up so I did they also said this for the credit card XXXX XXXX  and still negotiate with the home improvement credit. But on in XX/XX/XXXX I start getting foreclosure notice in the mail, so I call clear one advantage and ask what was going on! They said not to worry and disregard notice, so I did. And a copy days later someone came to my home and taped a notice on door about foreclosure about to take place in XX/XX/XXXX, once again call clear one advantage again they said take pictures and seen it to them and they would have lawyers look at them so I did, and next day they said it was not a court order so disregard, 2 days later more attorneys documents and threats to put me and my son out of my home and house going up for auction in XXXX, call again clear one advantage and they said that, that what third-party do. So on XX/XX/XXXX clear one advantage call me and said the debt for home improvement credit couldn't be reduced because of its like a home loan and there was nothing they could do! I cry and pleading with them to help me because I XXXX and my son is XXXX and have no where to go! They said sorry and hang up phone had to get foreclosure attorney and out of XXXX XXXX  so clear one advantage cost me an extra XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: FL

Complaint narrative:
Please I want this information to be deleted from my report since it greatly affects my status. I have a lot of problems with this.. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-23 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: MA

Complaint narrative:
Please I want this information to be deleted from my report since it greatly affects my status. I have a lot of problems with this 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 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have a balance of {$39.00} when I tried to make payments it had gone up to {$140.00} company refuse to take off late fees spoke with 2 managers instead they closed my account with a outstanding balance and late fees.

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 2024-01-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: MN

Complaint narrative:
My daughter XXXX XXXX has three student loans in repayment. I am a cosigner making her payments. XXXX XXXX but is currently in an internship sponsored by XXXX. We submitted a letter from XXXX explaining the internship runs from last fall to XXXX XXXX XXXX We submitted this letter to Sallie Mae together with a request for a forbearance. Sallie Mae declined, indicating the investor was not offering any assistance. Failure to offer a forbearance while students are still in school trying to further their education is not industry standard and is not what we were advised at the time we took out the loans. Such actions are unfair and deceptive. Moreover, the loans border on being usurious with rates as high as 15.75 %. I would appreciate it if Bureau would investigate Sallie Mae and its investors to prevent such unfair actions in the future as well as ask Sallie Mae to grant us the forbearance and refund payments responsibly made since last XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX I deposited, into my Capital One savings account, a bonus check from my workplace of $ XXXX.Immediately the next day, Capital One flagged the account and put it under investigation for some reason. The account was frozen and I was not allowed to touch the funds for withdrawal. During the investigation I called Capital One to discuss why the account had been frozen and they said it was just under investigation and they would not tell me more. I ignored the problem while they were investigating the problem hoping it would only have taken a couple weeks to determine there was no issue for my money in my savings account. Throughout the investigation period, Capital One was applying the monthly interest to the amount that was in the account. Flash forward to XX/XX/XXXX and I look on the banking app and notice a withdrawal of {$2400.00} had occurred. I quickly called Capital One asking who had withdrawn the funds, since it was a frozen account, and they replied the funds had been sent to the Department of the Treasury Commonwealth of Virginia as an unclaimed account and to keep my eye on a website named XXXX to go and claim my money from the state. After this phone call, on XX/XX/XXXX, Capital One sent me a check of {$0.00} because they officially closed out my account for good so I could not access or investigate further. I contacted the claims department in the Department of the Treasury Commonwealth of Virginia and they sent me and inquiry form to fill out to determine if the money had indeed been handed over to them. The Department of the Treasury Commonwealth of Virginia received my inquiry on XX/XX/XXXX and sent a reply letter. According the Department of the Treasury Commonwealth of Virginia, I need a letter from Capital One stating the amount sent, date sent, reported name, and the account number. I have contacted Capital One 5 separate times to acquire the aforementioned letter from them and every time they say they are going to send the letter to my current address and nothing has even become of that letter. At this point since both Capital One and the Department of the Treasury Commonwealth of Virginia say they do not have my money, I am not sure where it has disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc.
State: DE

Complaint narrative:
My credit unioXXXX paid off this loan on XX/XX/2024 via check in the amount of {$25000.00}, check number XXXX, dated XX/XX/2024. The check was sent via us postal service and received at upstart on XX/XX/2024. The XXXX XXXX XXXX tracking number is XXXX XXXX XXXX XXXX XXXX XXXX. I spoke to company supervisors several times and the refuse to credit the payment and stated they dud not receive the check even though the postal service tracking number shows it was received and signed fir by a company representative. In the interim, my loan sows 21 days past due and XXXX hurting my credit status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I call to dispute the debt, they said they send it to me via mail, I ask for it to be sent via email. they said because it is a dispute it has to be sent by mail. I was give a reference XXXX XXXXXXXXWhen I didn't receive the document I call back they the despite was cancel, and i can try again, and then they said they cant and a letter had been sent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
the following account is negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report, therefore you must remove all negative and adverse remarks under 15 USC 1681 ( b ), 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : the company alleged I owed them money, however, they closed the account and charged it off. In addition, the company alleged I was late in my payment, however all accounts were paid as agreed and never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I recieved a letter from us department of the treasury, stating that XXXX was taken out of my social security payment to pay a XXXX and XXXX XXXX XXXX debt from XXXX 
This is being collected by a company called Transworld Systems XXXX XXXX XXXX, XXXX, DE XXXX, U.S.A. 
This was a complete surprise, There were no notifications of judgements or any other notifications. Additionally, this collection is far past the statute of limitations, and XXXX was part of a bankruptcy discharge in XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian starts the day like all the others with computer generated response which is ridiculous and yet again has absolutely nothing to do with the problem which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back but after extensive research is easy to see thats this fraudulent worthless company 's BUSINESS MODEL,

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My car was totaled on XX/XX/XXXX and CAC payment form XXXX XXXX  and Gap insurance. They stopped reporting to the credit bureau. This is when the mistakes began. The balance left of my account is {$3600.00} some odd dollars. They reported it after receiving the payments form Gap and XXXX XXXX  as being {$8300.00} even though in my account it showed a balance of {$3600.00}. I disputed this to no avail with XXXX XXXX. However after 2 months it has been updated and now currently reflects the current amount of {$3600.00}. Here is where the second problem begins. They are now reporting my account as behind. It is saying 30-59 days late. But in my account when I log in says I have no payments due until XX/XX/XXXX. I called them about this on XX/XX/XXXX and more errors. When the agent answered the phone she said my balance was {$3600.00}. She then said that I owed them $ XXXX and that my account was past due. However after my car was totaled and I called and spoke with a representative I was told that the $ XXXX reflected in my account was based on the {$3600.00} being spread out over the life of the loan a total of 8 years. My bottom line is they are misrepresenting facts and it is preventing me from getting another vehicle. I can't have a payment due in XXXX of this year and be behind at the same time in 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 2024-01-23 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: OH

Complaint narrative:
My car was totaled on XX/XX/XXXX and CAC payment form XXXX XXXX  and Gap insurance. They stopped reporting to the credit bureau. This is when the mistakes began. The balance left of my account is {$3600.00} some odd dollars. They reported it after receiving the payments form Gap and XXXX XXXX  as being {$8300.00} even though in my account it showed a balance of {$3600.00}. I disputed this to no avail with Credit karma. However after 2 months it has been updated and now currently reflects the current amount of {$3600.00}. Here is where the second problem begins. They are now reporting my account as behind. It is saying 30-59 days late. But in my account when I log in says I have no payments due until XX/XX/XXXX. I called them about this on XX/XX/XXXX and more errors. When the agent answered the phone she said my balance was {$3600.00}. She then said that I owed them $ XXXX and that my account was past due. However after my car was totaled and I called and spoke with a representative I was told that the $ XXXX reflected in my account was based on the {$3600.00} being spread out over the life of the loan a total of 8 years. My bottom line is they are misrepresenting facts and it is preventing me from getting another vehicle. I can't have a payment due in XXXX of this year and be behind at the same time in XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RentDebt Automated Collections, LLC
State: NY

Complaint narrative:
This company is refusing to send me a letter of validation. I sent them a request for letter validation to priority mail, and I received that they had signed and received the letter but theyre refusing to send me a letter of validation.

Company response to consumer: Closed with explanation