vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act The Creditor : XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Contacted Navient.com customer service rep after receiving text of account delinquency. 
Service rep unable to answer question of my account relation with AidAdavantage.com payments. My request to speak with a supervisor resulted in being placed on hold for unreasonable amount of time. Never spoke with a supervisor. 

Made a pyment today in the amount of {$100.00}. Noticed a fee of {$1.00} for late charge. 
How is this possible if the Federal government has placed student loan payments on pause.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: TX

Complaint narrative:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2022-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: GA

Complaint narrative:
I visited XXXX XXXX XXXX XXXX, XXXX, GA in XX/XX/XXXX. They were supposed to file a claim with XXXX XXXX. 
They never bothered to file the claim and in XX/XX/XXXX sent me bills of over {$10000.00} for a quick visit with a doctor. I was there about an hour, mostly waiting. 
They waited until it was to late to be covered under the XXXX XXXX XXXX XXXX 
All they have to do is file the claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: TX

Complaint narrative:
Netspend committed a Theft/Scam crime. This was very unprofessional of them to take XXXX $ from me off the card and locking me out my account and not having access to my money, This money was placed on this card on the XXXX of XXXX. I placed money on this card for immediate purchase since the company is claim to be one of the fastest card money can be transferred too and used. I was not able to use my Identity because i was not able to give them one missing document that was required and their customer service was terrible. I have screenshots of my account when it had money and i have pictures of all my receipts placing money on the card. I was supposed to use that money to buy my plane ticket and attend my big sister funeral on XX/XX/XXXX in a foreign country and was not able to since my funds on this Netspend XXXX  card was not approved by the 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 explanation
Consumer complaint received 2022-04-12 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: TX

Complaint narrative:
FRCA Violation other loans XXXX XXXX FRCA Violation collection XXXX XXXX FRCA Violation personal information XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FRCA Violation auto loan late payments XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had my JPMorgan Chase check stolen from a mailbox and fraudulently changed from {$45.00} to {$9500.00} and deposited/cashed at a XXXX XXXX  XXXX XXXX I have filed the necessary declarations, police and postal reports to Chase Fraud Departments on XXXX and XXXX. I was told the process would take 60-90 days to resolve. I have consistently followed up in person and via phone with both banks to no avail. Chase claims XXXX XXXX XXXX isn't responding. XXXX XXXX XXXX Regulatory Complaints Department said no claim is on file with their check fraud team for me. Chase said my claim was sent XXXX XXXX. Somewhere between Chase and XXXX XXXXXXXX XXXX the ball has been dropped. I get a different answer every time I talk to Chase Fraud Department. I was told on XXXX that the claim can be dropped after 120 days. Day 120 was XXXX. 
Can my claim be resent by fax or email? Was is lost in the mail? 
I'm struggling to find a solution to have my money refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12 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:
I have been disputing a number of errors that I found on my credit report. But the buros have ignored me. 

I have seen accounts in Charge Off with balances owed and I am fully aware that this type of account can not have a past Due or different dates reported in each bureau. I am collecting all my evidence to continue filing complaints against the 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 non-monetary relief
Consumer complaint received 2022-04-12 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: FL

Complaint narrative:
I have been disputing a number of errors that I found on my credit report. But the buros have ignored me. 

I have seen accounts in Charge Off with balances owed and I am fully aware that this type of account can not have a past Due or different dates reported in each bureau. I am collecting all my evidence to continue filing complaints against the 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 non-monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have not used my PayPal account since XXXX. I settled with PayPal and they sold the account to XXXX XXXX in XXXX of XXXX. Ive disputed it and they keep sending bills and calling for XXXX XXXX. I made one payment to them because I thought was medical bill. How can I remove it from credit report and get them to leave me alone?

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 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have not used my XXXX account since XXXX. I settled with XXXX and they sold the account to portfolio recovery in XXXX of XXXX. Ive disputed it and they keep sending bills and calling for portfolio recovery. I made one payment to them because I thought was medical bill. How can I remove it from credit report and get them to leave me alone?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
The bank dispersed escrow funds from the loan in question for the payment of an unrelated property in the same city. While it happens to be another property I own, the other property is not connected in any way to the mortgage in question. 

As a result of the improper use of escrow funds, they have increased my monthly escrow payment by {$260.00} directly due to this shortage. ( A smaller portion of the escrow increase is unrelated to the complaint ) The bank has written to me that because I happen to own the other property they will not refund the improper payment. I believe it is their responsibility to contact the city and work out a solution to refund the payment to the bank. In the meantime, the bank should recalculate my escrow without the shortage created by them. 

I further believe it is their responsibility because the property id for the improper payment does not agree with the property id of the mortgage. It seems there is no process for validating that tax bills match the mortgaged property. This is a huge fraud risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: TX

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I was a customer of HSBC for many years. On XX/XX/XXXX I called HSBC to pay off my outstanding balance ( I always paid all of the outstanding balances month after month ) and close off my account. After an hour of back and forth and a confirmation that my balance was paid I was also sent to the rewards department to cash out on the points balance, which was quickly done ( I received {$500.00} worth of gift cards ). XXXX months later I started receiving calls about my " outstanding balance ''. I've had XXXX conversations with XXXX XXXX and XXXX with fraud department and they still won't stop. This is a terrible business and I will never be their customer again. However, I don't know what I'm supposed to do with this other than suing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have made several attempts to dispute these accounts from Medical Data System after reaching out to them via a certified validation letter. During the dispute process and after sending a certified letter for debt validation and verification ownership and other requests. During this time, I asked and by rights communication and reporting should cease for the dispute period. Also, during this XXXX period, there were excessive calls from this company. These unfair credit reporting actions were taken before responding to my certified letter. These unfair practices are damaging my credit score and impeding my attempt to purchase a house and car.

For the reasons above, I went through XXXX directly explaining these unfair practices. As resolved The items were deleted. This company immediately reported these same items again, but this time duplicated each item. Notice the same amount reported as the original open date. Please see the below items that are currently on my Credit report with XXXX The company in In Violation XXXX question is MEDICAL DATA SYSTEMS INC XXXX Address XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX XXXX XXXX {$50.00} First reported XX/XX/XXXX XXXX XXXX Care {$50.00} Duplicate reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$50.00} First reported XX/XX/XXXX XXXX XXXX Care {$50.00} Duplicate reported XX/XX/XXXX {$86.00} First reported XX/XX/XXXX {$86.00} Duplicate reported XXXX time reporting after deleting XX/XX/XXXX {$150.00} First reported XX/XX/XXXX {$150.00} Duplicate reported A few examples of excessive and harassing calls See below. 
Voicemail Call log : XX/XX/XXXX Time XXXX XX/XX/XXXX Time XXXX XX/XX/XXXX Time XXXX XX/XX/XXXX Time XXXX XX/XX/XXXX Time XXXX XX/XX/XXXX Time XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have XXXX inquiries on my account I contacted the merchant and was told to dispute it .. someone has been using my information and I wasnt aware all I applied for a card and was told I had inquiries and when I checked I noticed none of them were me.. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
complaint number XXXX The bill was not included and here it is now. Show clearly I shut off on the XXXX of XXXX which is when bill generated. I was told its one day in billing cycle and they would as a courtesy date back. I thought the bill was uploaded and it was not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts above with 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 a account without my written instructions. Please remove these items from my report. please remove the following account promptly 1 ) dept of ed/XXXX  - account beginning in XXXX additionally I never authorized the following closed installment accounts and am requesting their immediate removal 2 ) XXXX XXXX XXXX account beginning with XXXX 3 ) XXXX  account beggining in XXXX 4 ) XXXX account beggining in XXXX 5 ) XXXX  account beggining in XXXX 6 ) dept of ed/XXXX account beggining in XXXX 7 ) XXXX account beggining in XXXX 8 ) all dept of edXXXX XXXX  accounts beggining in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over XXXX  days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2022-04-12 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: MI

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NE

Complaint narrative:
Company filed a wage garnishment through XXXX XXXX ( Nebraska ) in XX/XX/XXXX. The garnishment was paid put of my pay check between XX/XX/XXXX and XX/XX/XXXX. Company is still sending letters calling daily some times XXXX a day. I contacted Company and told them several times this was paid with wage garnishment. Will not listen and trying to threaten me with another wage garnishment for something that was already paid. They refuse to look in their records or do any research and claim its my responsibility to correct their lost paperwork.

Company response to consumer: Closed with explanation