vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I begin to notice fraudulent activity on my account in XX/XX/XXXX. I contacted all 3 credit bureaus and have been unsuccessful in resolving these delinquent accounts and collections. XXXX XXXX XXXX {$12000.00} XX/XX/XXXX, XXXX XXXX ( {$1000.00}, {$900.00}, {$700.00} ) ( XX/XX/XXXX ) ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX ( {$1100.00}, {$850.00} ) ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX/XXXX  ( {$920.00}, ) ( XX/XX/XXXX ), XXXX XXXX ( {$1300.00} ) ( XX/XX/XXXX ), XXXX XXXX ( {$700.00} ) ( XX/XX/XXXX XXXX XXXX XXXX 's ( {$1000.00} ) ( XX/XX/XXXX ), XXXX XXXX {$700.00} ) ( XX/XX/XXXX XXXX XXXX XXXX XXXX  {$460.00} ( XX/XX/XXXX ), {$220.00} ( XX/XX/XXXX ), XXXX XXXX {$930.00} ( XX/XX/XXXX ), XXXX   {$270.00} ( XX/XX/XXXX ), XXXX XXXX {$1100.00} ( XX/XX/XXXX ), XXXX XXXX XXXX {$120.00} ( XX/XX/XXXX ), XXXX XXXX {$1300.00} ( XX/XX/XXXX ), XXXX XXXX {$720.00} ( XX/XX/XXXX ), XXXX XXXX XXXX  {$870.00} ( XX/XX/XXXX ). 
In addition I have been consistently reaching out to XXXX, XXXX, and Transunion about the number of accounts that have been paid off as agreed that are still on my account that should be removed as well as inquiries that were not initiated by me. XXXX XXXX ( {$0.00} ) ( XX/XX/XXXX ), XXXX XXXX {$400.00} ( XX/XX/XXXX ), XXXX XXXX   {$500.00} XX/XX/XXXX, XXXX {$70.00} XX/XX/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 2020-04-10 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: TN

Complaint narrative:
I begin to notice fraudulent activity on my account in XX/XX/XXXX. I contacted all 3 credit bureaus and have been unsuccessful in resolving these delinquent accounts and collections. XXXX XXXX XXXX {$12000.00} XX/XX/XXXX, XXXX XXXX XXXX {$1000.00}, {$900.00}, {$700.00} ) ( XX/XX/XXXX ) ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX XXXX {$1100.00}, {$850.00} ) ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( {$920.00}, ) ( XX/XX/XXXX ), XXXX XXXX ( {$1300.00} ) ( XX/XX/XXXX ), XXXX   XXXX ( {$700.00} ) ( XX/XX/XXXX XXXX XXXX XXXX 's ( {$1000.00} ) ( XX/XX/XXXX ), XXXX XXXX {$700.00} ) ( XX/XX/XXXX XXXX XXXX XXXX XXXX  {$460.00} ( XX/XX/XXXX ), {$220.00} ( XX/XX/XXXX ), XXXX XXXX {$930.00} ( XX/XX/XXXX ), XXXX   {$270.00} ( XX/XX/XXXX ), XXXX XXXX {$1100.00} ( XX/XX/XXXX ), XXXX XXXX XXXX {$120.00} ( XX/XX/XXXX ), XXXX XXXX {$1300.00} ( XX/XX/XXXX ), XXXX XXXX {$720.00} ( XX/XX/XXXX ), XXXX XXXX XXXX  {$870.00} ( XX/XX/XXXX ). 
In addition I have been consistently reaching out to Experian, XXXX, and XXXX   about the number of accounts that have been paid off as agreed that are still on my account that should be removed as well as inquiries that were not initiated by me. XXXX XXXX XXXX {$0.00} ) ( XX/XX/XXXX ), XXXX XXXX {$400.00} ( XX/XX/XXXX ), XXXX XXXX   {$500.00} XX/XX/XXXX, XXXX {$70.00} XX/XX/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 2020-04-10 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-10 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: NY

Complaint narrative:
To Whom it May Concern : Due to the CARES Act, I believe that I should not have had to pay my student loan bill this month, managed by FedLoan Servicing. 

I already paid the {$340.00} bill on XX/XX/2020 due to fear of possible repercussions, however I believe that the actual amount due should have been {$0.00}. I tried to reach out to FedLoan, however it is impossible to get through on the phone lines, and when I try to submit an email message through their website, I repeatedly get an error message. 

Per my understanding of the CARES Act, I should have SIX XXXX-dollar monthly payments due from XX/XX/2020 to XX/XX/2020. If so, I would please like a refund of my XXXX bill, and for someone to please ensure that I don't get billed for the next 5 months. Just as a side note - I am a healthcare worker on the frontlines in the XXXX, XXXX - to say this is a stressful time is an understatement. 

Finally, I'd like to say that in my few years with FedLoans, I've encountered absolutely abysmal customer service. They even messed up my initial consolidation which is going to cost several extra thousand dollars on my {$320000.00} principle. However, FedLoans said they would NOT correct it, and they themselves do not have any repercussions for this mistake. I find it absolutely heartbreaking that our government sees this agency as one that is fit to help our student borrowers. 

Sincerest thanks for your help, -XXXX  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-10 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: Financial Credit Network Inc
State: CA

Complaint narrative:
I've been going back and forth with these people at the XXXX customer service disputing this fraudulent student loan for months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$1400.00}, I have settled and closed this account. I closed and paid in full of this account on time ( never late ) XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. The closed account was falsely or mistakenly re-billed. Due to Covid-19 Pandemic i am unable to pay for unauthorized re-bill that was mistakenly reporting by the bank institution.

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 2020-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB
State: MN

Complaint narrative:
I made 3 payments to Klarna in the month of XXXX totaling XXXX. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX My account was up to date and according to the app I had paid on time. Now they are trying to say that i owe a XXXX late fee when I was already charged a XXXX late fee in XXXX. 

Now on XX/XX/XXXX I made a payment and apparently I can not be refunded my XXXX because of that. Which makes zero sense. 

Companies that take advantage of people like this should be fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Despite these troubling times, American Express closed my account. Yes, I owe them money, but i did give them {$340.00} in XXXX. I just think with stay at home orders and having to close our business due to governor orders it is a crime that their greed would not let them work things out with a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bliksum, LLC
State: KS

Complaint narrative:
At XXXX XXXX on XX/XX/2020 a private number called me stating they were from a processing agency and we're trying to serve me Court documentation and that I needed to call an ( XXXX ) number in order to schedule an appointment to be served by an officer. No identification was given as to who they were, what it was about, just that I would be given the details when I called that number. 
I called the number XXXX at XXXX on XX/XX/XXXX, XXXXand I was told that they represented the company called Loan Me. I had taken out a loan with Loan Me, nearly 4 years ago ( it will be four years in XXXX XXXX. The man on the phone did not give his name, did not give the name of the company he was from, merely stating they represented the company loan me. He said this matter concerns the loan that I taken out with Loan Me and I could resolve the issue over the phone today. There was no mention of making appointments for court documentation to be served to my residence. When I informed him that I had no financial means to resolve anything over the phone, he stated that Loan Me was suing me for theft. He asked me if I wanted to go to jail for theft. I responded there's nothing I can do, I guess they'll just have to do what they're going to do, because I have no money. He then reiterated that I resolve the issue over the phone, today, because I will be put in jail for theft. When I stated again, with an irritated voice, that I have no way of resolving this issue he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I was never notified about this debt and now it is on my credit report. 
{$110.00} XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NH

Complaint narrative:
Fedloan has added new misleading information about the CARES act regarding student loan forgiveness programs. After responding to my last complaint about being encouraged keep making payments to stay on track with my loan forgiveness program, admitting that I was given wrong information, and promising that suspended payments made during this forbearance period WOULD be included in my qualifying payment total, they have now updated their website with more evasive messaging : " Borrowers with a Direct Loan, whom are on a qualifying repayment plan prior to the suspension, and work full-time for a qualifying employer during the suspension, will receive credit toward PSLF for the period of suspension as though on-time monthly payments were made.

Borrowers currently on an IDR plan will have suspended payments count toward IDR forgiveness. '' Of course borrowers will not qualify under this stipulation. A frightening amount of people have been laid off from their jobs and are collecting unemployment. Therefore we are NOT working " full-time for a qualifying employer during the suspension ''. There is no requirement in the CARES act that states that a borrower must remain employed in order to qualify for this : " ( c ) Consideration Of Payments.The Secretary shall deem each month for which a loan payment was suspended under this section as if the borrower of the loan had made a payment for the purpose of any loan forgiveness program authorized under part D of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1087a et seq. ) for which the borrower would have otherwise qualified. '' If we weren't all losing our jobs, we wouldn't need the forbearance, and we would have otherwise qualified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2020 I call Equifax and the person who answer didn't provide with any help I give all the information and still don't help with all the information I give My account is look and freeze I send by email all the information about myself and no answer. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: NC

Complaint narrative:
I previously sent two letters to TransUnion letting them know that I was a victim of identity theft attached with those letters were an FTC report and a police report to have the price of an item removed from my credit file the first time they sent me a letter back stating that I did not give them enough information so I sent them the same exact information the second time and now they are saying that it looks like a credit repair company is doing my credit repair when is actually it's me sending the letters in so, as a result, they won't investigate.

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 2020-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: MO

Complaint narrative:
I have numerous medical bills that goes against the hip as law I will list them below along with me social security number : Account resolution service - {$900.00} XXXX XXXX   - {$530.00} Account resolution XXXX - {$150.00} XXXX  XXXX  XXXX XXXX  - {$820.00} Social security number 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 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Applied for a credit card on XX/XX/20 with Capital One. On XX/XX/20 I received a denial letter due to Capital One unable to get my credit score, therefore wasting a hard inquiry on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX failed to send me the loan account number so that I could make the payment so by the time I received the information I needed to pay the first 2 payments which I did and they agreed to not report a late payment. 

I traded in this vehicle on XX/XX/XXXX at XXXX XXXX XXXX in XXXX GA .. they didn't get this load paid of until XXXX of XXXX and even though I submitted the paperwork on my new purchase stating that I had traded in the car XX/XX/XXXX XXXX reported that I didn't pay the loan payment on a vehicle that I didn't even own.

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 2020-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
This is not my debt I never had any connections with company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX   XXXX  {$640.00} was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX  XXXX  failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX  XXXX  failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX   XXXX  is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX  XXXX  is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit reportXXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2020-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: J & B Endeavors, LLC
State: OH

Complaint narrative:
I contacted Student Loan Movement for them to be my advocate in communicating with XXXX XXXX XXXX for a possible repayment plan during the wake of COVID-19. I received an email from them stating they would garnish my wages due to me not agreeing to keep my payment agreement. After talking with XXXX XXXX explained that I was laid off from work, waiting for unemployment, waiting for the COVID-19 stimulus and my tax return. He stated that if I did not give the Student Loan Movement {$90.00} by the XXXX of XXXX that my wages would be garnished. They called from phone numbers that said " scam likely '' as he confirmed, so I never answered the calls. After researching the CARES ACT and IRS website it was revealed that the Student Loan Movement did not have the power to collect money from me due to them only being an advocate. They are not a bill collector, and I did not borrow money from them. Due to the climate of financial conditions I strongly feel this was a fraudulent call and I am concerned about my well being and the well being of other who may be getting the same phone calls and emails threatening to take money from consumers.

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 2020-04-10 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: MO

Complaint narrative:
I have numerous medical bills that goes against hipaa laws I will list the accounts below along with my social security number : Transworld system {$530.00} Social security number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ftc violations please remove the attached doc 's

Company response to consumer: Closed with explanation