vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Hello CFPB, My complaint is about XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I had a appointment for a medical procedure. XXXX XXXX. I did go to the office but the procedure was not preformed. 
XX/XX/XXXX I received a bill for {$440.00}. My company alway pays all medical bills but my insurance let me know that this medical doctor is not allowed. I called the XXXX XXXX Billing number. Let the rep know that I will pay for the visit but that the XXXX was not done. She could check my files to see that no XXXX results. She said she would research and give me a call back. She never called me back. 
XX/XX/XXXX I spoke with the doctors nurse. She would look into it but never got back to me XX/XX/XXXX Called billing again and left a message. No return call XX/XX/XXXX I emailed XXXX about the incorrect bill XX/XX/XXXX drove to the medical offer and spoke to the front desk. They told me that only the billing department could speak with me XX/XX/XXXX emailed the billing Dept about the incorrect bill. No response. 
XX/XX/XXXX XXXX called me back I went through the details and she let me know I should go to the medical office and talk to the patient manager. She would not send to collections because I was working to resolve the issue. 
XX/XX/XXXX I received a letter from Clear Management Solutions in a attempt to collect the {$240.00} for the XXXX that was not preformed. I called and the rep recommended that I write them a letter to dispute the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXXt account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-08-29 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-08-29 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX @ XXXX there were 2 charges to my account totaling {$1400.00}. I was made aware of these charges when I received a text asking if I had made a purchase at a store I had never heard of. I replied NO at XXXX. Just prior to receiving the text from Capital One I had used my card at the XXXX XXXX kiosk at XXXX airport to do self check in. We walked away from the kiosk and left the card in the kiosk. We got the text about the charges and immediately went back to the kiosk and the card was gone. We contacted the XXXX & airport representatives and we all looked for the card but there was no sign of it. Then over the airport intercom I heard my name being announced and asking me to go to the Information Desk. On going there I found out that somebody had handed in my card. I then texted my response to Capital One that I did not make those purchases. I did not report the fraud charges in the airport because I do not speak any XXXX and I was afraid I would get delayed and miss my flight. I received 3 letters from Capital One, the first ( dated XX/XX/2022 ) said that a fraud investigation had been opened. The second ( dated XX/XX/2022 ) said they were happy to tell me that the fraud investigation had been resolved and implied that the charges would not be billed to my card. The third letter ( dated XX/XX/2022 ) indicating that insufficient evidence of fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX has violated my privacy 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.

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 2022-08-29 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I landed in XXXX on XX/XX/2022 at the XXXX airport XXXX XXXX. I rented a car from XXXX for USD XXXX at around XXXX local time. I signed the rental car agreement and paid with my chase sapphire credit card ending in XXXX. I lost my card at the rental car station and that was the last time I remember having the card on me personally. 

A few days later I noticed a charge from XXXX XXXX. I tried calling XXXX XXXX merchant and I could not get in touch with the merchant. I checked my chase app and I noticed several credit card charges at fashion and clothing stores at a mall that was more than XXXX miles away from my temporary place of residence ( XXXX XXXX XXXX XXXX ). I called Chase and they mailed me a new card ending in XXXX ( which arrived almost 7 days later ) and reversed the charges. The card was never in my possession. during this time. 

I tried making a police report but was unable to do so as I did not have an XXXX XXXX id ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and I did not have a method of paying for the police report ( My replacement card was yet to come ). I was not able to communicate with the merchants where the fraud occurred as I was in a XXXX XXXX. 

I returned to XXXX on XX/XX/2022. A week later I noticed a fraud charge from the rental car company XXXXXXXX XXXX on my " replacement '' card XXXX. This was after I had returned the car and was given the closed rental car agreement, proving that I did not have any outstanding charges from them. I immediately called Chase and they canceled my card, temporarily reversed the transaction, and put a block on the merchant. They mailed me a new replacement card ending in XXXX. 

I received a call from Chase fraud department on XX/XX/2022 and I asked them if I would be liable for the fraud charges. Chase could not confirm that I would not be liable for these fraud charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXXXXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I have no knowledge of these inquires/Collections of my credit report. Please DELETE ASAP!!! 


***HARD INQUIRIES*** XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX  XXXX. XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ***COLLECTION ACCOUNTS*** XXXX XXXX XXXX {$2600.00} XXXX. XXXX XXXX XXXX {$260.00}

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 non-monetary relief
Consumer complaint received 2022-08-29 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXXXXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXXXXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I have no knowledge of these inquires/Collections of my credit report. Please DELETE ASAP!!! 


***HARD INQUIRIES*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ***COLLECTION ACCOUNTS*** XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$260.00}

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 2022-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
On XX/XX/2023, 1st franklin financial corporation Wrote me a letter Alleging I Owe them and they notified me that they were going to take Legal Action which is funny because I didn't give them permission to Speak to me with the Foul language they really ruined my whole day. They are directly violating 15 USC 1692d ( 2 ) ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. I don't like what they said to me. they keep blowing up my phone at unreasonable hours under 15 USC 1692d ( 5 ) ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. provide proper documentation that they are legally owed under penalty of perjury

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 2022-08-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Recovery Systems, Ltd
State: NY

Complaint narrative:
Nationwide recovery has called me multiple times trying to collect a debt. On XX/XX/2022 nationwide recovery sent me a letter in the mail attempting to collect a debt that is not mine. National wide recovery violated my consumer rights by making multiple phone calls to my telephone and sending me post cards in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
BOA was notified that my card was taken by someone I know and it was used fraudulently. A fraud dispute was created. They said because the card was physically used and they used the pin or signed for it, it stays on my account. I have given them a police report and the name of the person who committed the fraud, and they still refuse to resolve it. This was fraud and I have proof. The person admitted it in writing and admitted they did it. And BOA will not even take the info, they keep closing it without talking to me.

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 2022-08-29 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
The illegal activity from XXXX such as them lying about their accreditation, lying about their high job placement rates, and lying about their accreditation has put me in a whole world of debt. Due to XXXX 's fraudulent practices I was deceived into taking out private loans from Sallie Mae in the attempt to pay for my education. I attended XXXX XXXX XXXX in XXXX, VA from XX/XX/XXXX to XX/XX/XXXX within their XXXX XXXX XXXX XXXX program. Prior to me enrolling into XXXX XXXX, I had met with a recruiter who guaranteed me that they would place me onto a job ( because they had exceptional job placing rates ) and that their accreditation would carry over into other schools if I had decided to transfer my credits. These details alone attracted me into enrolling into this for-profit school. After I was enrolled and had attended classes for a couple of days, I remember being called down to the office from class as my tuition needed to be secured. The officer, I do not remember his name but he was a young XXXX  male with glasses who had just started working there a few months back. He explained to me that my ONLY option were to utilize private loans for my education. They did not offer work aid, any federal loans, or any other financial programs that would assist with paying for tuition. They told me my options were limited! At that time I was XXXX XXXX XXXX, was pressured to take on private loans and was literally backed into a corner. I took out private loans for the remainder of my schooling. Fast forward to the time of graduation, they set me up with 1 job interview and that was it! I did not get that job and after I graduated they literally washed their hands. I did not have any other interviews and it seemed like after I was no longer a student, they did nothing in the attempt to place me anywhere else. This completely contradicted how they advertised their high job placement rates. About 6 months after graduation I still did not have a job in my field as XXXX provided no job placement or interviews. It was time to pay my loans and because I was not working my only option was to consolidate, to somewhat attempt to lower my payment. I did consolidate but due to my high interests the payment was still high. Later down the road I had to enroll into a University and none of my credits from XXXX transferred over. So now, that two years that I spent at XXXX has obtained me nothing but astronomically high debt and zero accreditation from my credits. With all their schools closing down, jobs will not look at their education as something to be obtained. The illegal activity from XXXX such as them lying about their accreditation, lying about their high job placement rates, and lying about their accreditation has put me in a whole world of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a human being. I am a living human being. I have rights under 15 USC 1681. 

XXXX Transunion and XXXX is govern by 15 USC 1681. And the fair credit reporting act. They have violated my rights numerous of times. I demand the following accounts be removed from my credit reports XXXX  XXXX XXXX  acct # XXXX XXXX  XXXX bank acct # XXXX XXXX acct # XXXX THE FOLLOWING ADDRESSES NEED TO BE REMOVED ALSO XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX THE FOLLOWING PHONE NUMBERS NEED TO BE DELETED OF MY REPORTS TOO XXXX XXXX The following INQUIRIES need to be deleted off my credit reports too XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A . States I have the 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 instructions

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 2022-08-29 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: NY

Complaint narrative:
I am a human being. I am a living human being. I have rights under 15 USC 1681. 

Equifax XXXX and XXXX is govern by 15 USC 1681. And the fair credit reporting act. They have violated my rights numerous of times. I demand the following accounts be removed from my credit reports XXXX  XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX  acct # XXXX THE FOLLOWING ADDRESSES NEED TO BE REMOVED ALSO XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX THE FOLLOWING PHONE NUMBERS NEED TO BE DELETED OF MY REPORTS TOO XXXX XXXX The following INQUIRIES need to be deleted off my credit reports too XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A . States I have the 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 instructions

Company response to consumer: Closed with explanation