vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
Over the past few years I have been fighting with these agencies to properly verify these debts of XXXX ( two debts ) and XXXX with this americollect account on my credit report. I sent a verification of debt to americollect which they responded ( see attached ) These companies have yet to remove this debt from my account. Nor did they conduct proper investigations on these accounts because americollect couldn't even validate them. 

I am requesting immediate removal of these accounts from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-04-20 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
In XXXX of XXXX, US Bank Home Mortgage agreed to modify my mortgage related to the XXXX act. They agreed to a new loan term, interest rate and " forgiveness '' of the interest charges during the COVID forbearance period. They sent a legal loan modification agreement by mail. I received this document on XX/XX/2022. Per the instructions, I took the document to my bank and they notarized my signatures. I sent the document along with the required payment ( due on XX/XX/XXXX ) next day air on the morning of XX/XX/XXXX. 

I called US Bank to let them know the document is in transit. After many representatives and 2 hours on the phone, I am being told that they will reject the agreement due to the document not being received by XX/XX/XXXX. They then tried to get me to agree to a different loan modification agreement that adds {$10000.00} and a 1.25 % higher interest rate to the loan modification, which is more than my current rate. I was obviously very upset after this interaction. Fortunately I had made a copy of the packet. I re-read the cover letter of the contract which includes the term, rate, and payment due and it clearly states I have 30 days from receipt to return the loan modification agreement, which is dated for XX/XX/XXXX. Even using the date of the letter and ignoring the actual date of receipt, I am clearly within this 30 day window. The current world situation is stressful enough without being scammed by your mortgage lender. The last terse conversation I had with US bank, I was told categorically by a supervisor that " NO ONE in the entire company '' of US Bank will be able to honor the original agreement. I would also like to point out that this is a Government backed FHA loan, this is my primary residence and I have been in the home for 12 years. 

I have uploaded the cover page of the document showing the date of the letter ( XX/XX/XXXX ) and the XXXX " calendar day '' window to complete the paperwork which would be XX/XX/2022.

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 2022-04-20 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: PA

Complaint narrative:
in accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to accurate reporting, privacy and confidentiality under 15 USC 1681. 

dept of ed/XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX  acct # XXXX XXXX  XXXX XXXX acct # XXXX XXXX  of XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX  XXXX 15 USC 1681 section 602 A 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 an account without my written instructions 15 USC 1681c . ( a ) ( 5 ) section states no consumer agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681a-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-20 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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-20 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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/2022, I made an {$8000.00} payment to my contract using my Limitless Cash Back Visa from USAA. The charge cleared my account, and I paid the balance due by XX/XX/2022. My contractor notified me that the payment had still not been received in his XXXX account by XX/XX/2022. I called USAA to explain the situation and was advised to file a dispute. 

I received a request for additional information from USAA on XX/XX/2022. I uploaded a letter in response to their request on XX/XX/2022, and requested a phone call if they required clarification or more documentation. Instead of calling me, they uploaded a letter to my documents on their website on XX/XX/2022 ( XXXX XXXX  ) and reversed the " loan '' they had put on my card while the dispute was pending. I did not receive a phone call or any direct communication prior to the reversal. 

I called USAA again on XX/XX/2022 after having my card declined due to the charge putting my balance over the limit. The representative stated she could see the letter I submitted and entered a request for call back. As of XX/XX/2022, I had not received any communication or change to my card balance so I called them again. The representative said they have up to 5 business days to review the request and call me. 

At this point, I am without {$8000.00} of my money because of a mistake in a system that processes card payments ( USAA or XXXX, no one will tell me ). USAA is not taking any initiative to remedy this situation despite having been a member in good standing for nearly 17 years. I do not want the over limit to effect my credit score, and I need my money back to continue paying my contractor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX/ {$1000.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: IL

Complaint narrative:
I sent disputes on XX/XX/2022 to remove unlawful information off my credit report. its been more then 30 days and its also bringing my score down. I can't buy a house or get a car with loans, due to the information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent disputes on XX/XX/2022 to remove unlawful information off my credit report. its been more then 30 days and its also bringing my score down. I can't buy a house or get a car with loans, due to the information on my report.

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 2022-04-20 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: WI

Complaint narrative:
I can not get ahold of fed loan servicing.. I have tried several times since XXXX of 2021 to call but I end up on hold for hours. And their call back option isn't working it just takes you back to the main menu. I have also emailed them several times with either no response or several months later a response with just general information. I have also sent a letter with no response. 

I have tried to pay my loan being since last XXXX since I got married I wanted to go off of deferment and pay it and tried several times but the payment never came out. I have written down the names of the people I talked with who were very friendly but nothing was ever done. Also every time I call I get different information then I did the time before which is helpful because it was options that I hadn't been given in the past but why wasn't I given these options earlier. 

With the changes to loan forgiveness which I was on, A lot of my loan should be counted when it wasn't in the past and even months that I was on loan forgiveness paying automatic payments there are 6 to 9 months where they aren't counting and they aren't saying why. I filled out a new application and that's how I found out that information but I can never get ahold of anyone to find out reasoning behind this. 

I have requested for them to call me back and ask the questions but I never get a response. I just want someone to call me back so I can get this resolved. I know they're busy and shorthanded and they're not going to service student loans anymore but I'm not sure what I'm supposed to do and time is running out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Remitly, Inc.
State: LA

Complaint narrative:
XXXX XXXX person tried to transfer money fro my bitcoins account remitlly is the name of the company no ones a wants to talk to me the person name XXXX XXXX thats trying to transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-20 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: PA

Complaint narrative:
in accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to accurate reporting, privacy and confidentiality under 15 USC 1681. 

dept of ed/XXXX  acct # XXXX XXXX XXXX  acct # XXXX XXXX  acct # XXXX XXXX XXXXXXXX XXXX acct # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX  acct # XXXX XXXX  XXXX 15 USC 1681 section 602 A 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 an account without my written instructions 15 USC 1681c . ( a ) ( 5 ) section states no consumer agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681a-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-20 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: PA

Complaint narrative:
in accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to accurate reporting, privacy and confidentiality under 15 USC 1681. 

dept of ed/XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXXXXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX  XXXX 15 USC 1681 section 602 A 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 an account without my written instructions 15 USC 1681c . ( a ) ( 5 ) section states no consumer agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681a-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} / XX/XX/2022

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 2022-04-20 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: FL

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Cosmo Credit Repair
State: TX

Complaint narrative:
I signed up with Cosmo Credit Repair ( XXXX XXXX XXXX # XXXX, XXXX, TX. XXXX ) in XX/XX/2022. They promised to remove negative items from my credit report got the amount paid. They stated that I had to pay upfront for them to begin filing disputes on my

credit report. Over the last three months, Ive seen no deletions from my credit report as they promised. I requested a refund and was told credit repair takes up to six months to see any actual changes. After going to the CFPB website,
I realized that I was NOT supposed to be charged upfront and that it is illegal for these companies to do so. To this day they have taken over {$1000.00} from my bank account! 

After speaking to the representative at CFPB, this complaint is the first step in the process of reporting this company. XXXX XXXX XXXX is now disputing and has put a stop payment on any transactions from this company. Per the representatives instructions, I plan to submit a police report and file a report with the Texas Attorney General and FTC.

Company response to consumer: Untimely response