vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
A collection company put a XXXX collection account on my credit report on XX/XX/XXXX. The amount is {$290.00} plus some interests. However I should not owe this bill. 

The original creditor of this bill was from a doctor who treated me in XX/XX/XXXX. The original bill was {$510.00}. The fact was that my insurance already PAID that bill. Because this doctor is in network ( based on explanation of benefits from insurance company ), my insurance paid it at a discount rate at {$210.00} ( in network rate ), and I got claims from insurance company that explicitly said I owe NOTHING for this bill. All the supporting documents are in attachment. 

I have good insurance. I was in the hospital because of emergency. XXXX day after I was in hospital, my insurance called me and said that all my bills should be covered because it was an emergency situation. 

It turned out that doctor still charged me the rest of bill even if my insurance paid it, and they didn't recognize the discount rate for in network provider. They should contact my insurance company for the deal between them. 

Even worse, I didn't get the bill in time and when I found out this bill, it was already on my credit report. I didn't have enough time to handle this bill before it was on my credit report. By the time I got called from collection company, I paid this bill by myself immediately because I was so nervous and surprised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: NC

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately.

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXXXXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05 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: NC

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately. 

XXXX. Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) this account in XXXX not reporng XXXX accurate XXXX  XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once XXXX. Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) this account in XXXX not reporng XXXX accurate XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX 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 2022-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: DE

Complaint narrative:
The response to my first complaint was that someone was going to reach out to me. After I sent XXXX emails to XXXX XXXX they said they would ask someone to call me. I found out that XXXX XXXX reached out to the people I was already working with to rectify the loan. They were not helpful. My current interest rate with NewRez for the refinance is expiring and rates are increasing. Since my first complaint XXXX more tasks were added to my task list. My tasks were done XXXX weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: UT

Complaint narrative:
EXPERIAN XXXX XXXX XXXX XXXX IS REPORTING A FRAUDULENT RETAIL ACCOUNT IN MY NAME CURRENTLY. 
THIS IS A VIOLATION OF THE FCRA RULES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Dear Whom It May Concern, I attended XXXX XXXX XXXX XXXX XXXX ) from XXXX and was promised a high-paying salary to pay off my student loans after I graduated. I was never spoken to about how much I was borrowing, only handed a check at its full loan amount every 60 days. I came out of school with 6 figures in debt expected to be repaid within 6 months of graduation. I currently have over $ XXXX in just federal loans and I was not considered in the Navient forgiveness. My loans have caused me to never be able to buy a house, car or business loans. It has debilitated me to the fullest extent. I have applied for loan forgiveness only to be denied due to the greedy Department of Education heads that have allowed my loans to never be reduced by only paying the interest. I have had zero communication from all parties involved and left out to dry. I can not afford to pay my loans as they were fraudulently given to me without my direct knowledge and lack of experience being a XXXX XXXX XXXX kid at the time. 

I ask you to please consider XXXX as bad actors as there hundreds of us that have dealt with crushing debt our entire adult lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I submitted a payment on or about XX/XX/XXXX or XXXX 2022. The payment was received on XX/XX/2022 and funds released from my bank. I waited patiently and the total current balance did not update. In addition the outstanding principle did not change nor did the accrued interest amount. It is now XX/XX/XXXX and the information still has not changed. I called Nel Net- the service provider- on or about XX/XX/XXXX and informed they didn't know why it was not updated and a " specialist '' would reach out and I would receive a response within two business days. To date, I have received no such response. 
The total amount paid was {$1400.00}. spread over approximately 4 loans. My credit report reflects no such payments as my outstanding balance has not changed despite making a sufficient payment. 

Therefore my credit is being adversely affected as my outstanding balance has not changed in relation to this patient - resulting in increased interest rates and harming my reputation of paying my bills timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: Lincoln Educational Services Corporation
State: PA

Complaint narrative:
I have dispute this issue with the credit companies as well as XXXX XXXX XXXX. It is illegal to put something on my credit without my permission. Let alone something that is false. I have dispute with all companies about 6 times. 

Also, Pursuant to 15 USC 1692a ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report, No consent is IDENTITY THEFT. Pursuant to 15 USC 1629c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor. 

I am presenting myself as a federally protected consumer and to my understanding you have assumed a vital role in assembling and evaluating consumer credit. I also understand that you have been developed to uphold a consumers credit worthiness, credit standing/credit capacity, character and most of all the REPUTATION of consumers. While looking at my consumer reports, I noticed accounts that were listed without my permission and written instruction. This is a violation of federal law pursuant to 15 USC 1681b. 

XXXX XXXX is in violation of 15 U.S.C 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only I can validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: UT

Complaint narrative:
EXPERIAN INC CONSUMER REPORTING SERVICE IS REPORTING A FRAUDULENT RETAIL ACCOUNT IN MY NAME CURRENTLY. 
THIS IS A VIOLATION OF THE FCRA RULES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
EQUIFAX DROPPED MY SCORE BELOW 600 BECAUSE I FILED A COMPLAINT WITH ALL THESE PEOPLE ARE ABUSIVE I WILL SEEK LITIGATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CO

Complaint narrative:
I have made repeated attempts via XXXX, XXXX and XXXX to have these accounts removed from my credit. I have provided a police report from where my wallet was stolen. Their response is that they can not remove the items because I did not make a police report specifically stating that my identity was stolen. I don't think this is fair as I am the victim in these matters. Then a new account was added, that is similar to the previous fraudulent account. These errors appear on all 3 credit reporting agencies, and have lowered my credit score. 


NCA Last reported XX/XX/XXXX {$470.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Original creditor Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Last reported XX/XX/XXXX {$480.00} Open balance XXXX XXXX XXXX XXXX XXXXI Original creditor Opened XX/XX/XXXX ( 1 yrs, 10 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
I sent Grain a recession letter, rescinding and cancelling the transaction on XX/XX/XXXX. They received this letter on XX/XX/XXXX via certified. After receiving this letter, Grain pushed me out of the app and attempted to make me resign the agreement and verify my identity. Proving that the transaction was cancelled. They never responded to my letter. After they received the recession letter, I sent an affidavit of truth and a consumer enforcement action letter on XXXX XXXX. They never responded to either of my letters that they received on XX/XX/XXXX. In the XXXX 's of law, any unrebutted affidavit stands as truth in commerce. After they received the affidavit of truth and consumer enforcement action, the app page changed again. Grain pushed me out of the app which has prevented me from making payments. Now they are reporting late payments which is unfair because they pushed me out of the app after my recession letter. Late payments are illegal under any " open ended credit play '' pursuant to XXXX XXXX XXXX. I decided to send another cease and desist on XX/XX/XXXX. They recieved this letter XX/XX/XXXX. I've sent Grain multiple letters that they have failed to respond to. I haven't been able to get into the app to make a payment since XXXX. I've allowed Grain applicable time to respond to my documents. Grain is participating in unfair debt collection practices and truth in lending violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: NY

Complaint narrative:
This has been a on going battle for over 3yrs. I have 2 fed loan accounts that were used while I attended XXXX in XXXX XXXX. I was contacted by the education board recommending i file for a loan discharge due to the schools falsely posting job placement numbers. I did file and my accounts were placed in adminstrative forebearance, in which i continued to make payments. Fast forward early XXXX XXXX I was purchasing a new car. Everything was good until I got my credit report showing both my fedloan accounts have 3 missed payments each ranging from late XXXX into early XXXX. Around the same time every payment I made after the date I filed for a discharge was returned to me. I figured my loans was discharged. a month later I was notified my loans were not discharge and I need to continue making payments. Thats when I saw all the missed payments. I have spent the better part of 2yrs going back and forth with fedloan trying to correct this issue. Finally a manager looked into it and found the education board made a mistake and was not suppose to send the payments back and if I paid the full amount for both accounts they would fix the history. Mind you at the same time they sent me a letter stating my accounts are in adminstrative forebearance from mid XXXX to now so how could I have a missed payment?. So months and many phone calls later nothing. Only after filing close to 10 credit disputes did they finally fix and remove missed payments from only one of the Fed loan accounts. The other account at the end of the dispute I'm told meets fcra requirements and nothing is fix. Ive contemplating getting a lawyer and taking legal action due to ultimately damaging my credit causing me more money on loans and credit cards as well as falsely reporting on my credit report, at no point in time was I ever contacted from fed loan or the education board to rectify this issue. I guess we just report whatever we want to anyones credit report without their knowledge or atleast a letter or phone call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  NA ) XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXXL ( Original Creditor : 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 2022-02-05 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX CREDIT COLL ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: LA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately. 

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate. 
XXXX XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account XXXX : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate 11 XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

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