vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XXXX, XXXX I was searching online for an affordable small business merchant account to accept debit/credit cards. I put my contact information online and XXXX XXXX XXXX an Agent of XXXX XXXX XXXX XXXX ( See Attachment # 1 with his company contact info including office and cell numbers ) called me within an hour of my query. Later that day, he emailed me the prepopulated merchant application based on my responses to his questions during that call. I got no other documents to sign to complete that application which clearly stated fees of only {$19.00} annually and a monthly fee of {$25.00}. XXXX XXXX XXXX XXXX is the merchant It sounded perfect so I signed and digitally sent back the merchant account application. The following month ( XX/XX/XXXX ) they debited {$71.00} from my account as a fee. I immediately called XXXX XXXX who stated that they would correct that error. I waited but no correction was made in spite of numerous phone calls to XXXX XXXX. The following month ( XXXX, XXXX ) they debited {$71.00} from my business bank account again. At that point, XXXX stopped taking my calls and did not respond to me voicemails or emails to correct the issue. 
I then contacted my bank to block any further payments to them. The XXXX payment was reversed and the XXXX, XXXX was blocked. 
On XX/XX/XXXX I completed their Closure Request Form and emailed it to XXXX per the instruction on the header of that form. ( See Attachment # 2 ). I also faxed that Closure Request form to the fax number on form header. ( See Attachment # 3 - proof of fax ) On XX/XX/XXXX I emailed XXXX XXXX notifying him that I cancelled my account and once again wanted those fees refunded ( See Attachment # 4 ) On XX/XX/XXXX, XXXX XXXX responded to my message instructing me to Fill out the form and return it. XXXX said when its returned your account will be refunded. ( See Attachment # 5 ) Instead of refunding my account, XXXX XXXX put an unpaid debt on my credit report in the amount of {$630.00}. Over the years I have disputed this bogus debt every year since XXXX. Each time they reply that the debt is valid. They subsequently sold the debt to a collection Agency and as of XX/XX/XXXX XXXX XXXX XXXX claims I have a {$770.00} unpaid debt. 
PLEASE HELP right this wrong. By law, I owe them nothing because 1. I sent in their Cancellation Form stating clearly NO FEE & refunding ALL charges ( See Exhibit 4 and 5 ) 2. I never signed off or agreed to Early Termination Fee nor received the Merchant Processing Terms & Conditions to sign and its Paragraph 23. In spite of that language which was obviously inserted when I requested a copy of documents to dispute this error on my credit report. { see language that I highlighted in Exhibit # 2 ) 3. They exploited me and this fraud is causing me hardship and holding me back in my financial life during this worldwide Pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I am in a income based repayment plan. I pay XXXX a month. I am a XXXX citizen. I have worked in Public service and XXXX XXXX for over 20 years. I was told my loans ( XXXX ) do not qualify for any loan forgiveness program???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: NY

Complaint narrative:
According to 15 USC 1692, I do not owe any debt because I am the consumer and I'm not obligated to pay. I am the consumer, NO ONE CAN VALIDATE MY DEBT BUT ME. Ive disputed over and over that the debt is not mine. Ive asked for documentation! Nothing has been sent. I, now, demand you to remove ALL information pertaining to me. Reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and historically has been. I DID NOT give you permission to report anything on me! Under the law, my federal consumer rights, I am instructing you right now according to 15 USC 1681 b-a-2 to remove all accounts according to my written instructions. Ive contacted you multiple times to dispute items that are not mine as my identity was stolen and you refused to remove. Remove all information in 4 business days according to 15 USC 1681c2! These are the laws! YOU WILL NOT XXXX ME WITH DEBT THAT IS NOT MINE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX Dear Equifax, I have contacted you via phone and certified mail numerous times in regard to this issue that has remained unresolved. There are two inaccurate late payments reflecting on my Equifax credit report : 1 : XXXX XXXX Account # : Ending in XXXX Date : XX/XX/XXXX 2. XXXX XXXX XXXX Account # : XXXX Date : XX/XX/XXXX I have provided you with documents from both XXXX XXXX as well as XXXX XXXX XXXX and the errors continue to remain reporting inaccurately on my Credit Report. I have sent these exact documents to XXXX and XXXX and they were able to update my file almost immediately. As I am aware that you have full access to my credit file, you will see that I have never made a payment late ever in my life. My credit is extremely important to me and I make it a point to ensure I stay on top of my credit file. I understand mistakes do occur, but this should have been corrected months ago. According to the Fair Credit Reporting Act section 623 ( a ) ( 3 ), you are required to investigate claims of inaccurate information, and when information is proven to be inaccurate, correct the mistake. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have had well over 30 days to complete this investigation, and I am keeping careful record of your actions. My next step will be filing a complaint with the FTC. Failure to respond satisfactorily will result in a small claims action against your company. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I filed a police report did the fraud affidivat and disputed it with the credit card company and they are refusing to delete the transaction from my credit 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 2021-07-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Experian, I have contacted you via phone and certified mail numerous times in regard to this issue that has remained unresolved. There are two inaccurate late payments reflecting on my Equifax credit report : 1 : XXXX XXXX Account # : Ending in XXXX Date : XX/XX/XXXX 2. XXXX XXXX XXXX Account # : XXXX Date : XX/XX/XXXX I have provided you with documents from both XXXX XXXX as well as XXXX XXXX XXXX and the errors continue to remain reporting inaccurately on my Credit Report. I have sent these exact documents to XXXX  and XXXX and they were able to update my file almost immediately. As I am aware that you have full access to my credit file, you will see that I have never made a payment late ever in my life. My credit is extremely important to me and I make it a point to ensure I stay on top of my credit file. I understand mistakes do occur, but this should have been corrected months ago. According to the Fair Credit Reporting Act section 623 ( a ) ( 3 ), you are required to investigate claims of inaccurate information, and when information is proven to be inaccurate, correct the mistake. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have had well over 30 days to complete this investigation, and I am keeping careful record of your actions. My next step will be filing a complaint with the FTC. Failure to respond satisfactorily will result in a small claims action against your company. 

Thank you for your time and help in this matter.

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 2021-07-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX and Equifax are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I requested a method of verification for 2 bankruptcies on my report. Chapter XXXX and Chapter XXXX which I received. The credit bureau wrote back the accounts were verified by the courts. However, that is false. The court wrote me a letter stating they do not provide that information to credit bureaus. I sent the letter twice to the credit bureau one by regular mail on XXXX and then another time certified mail on XXXX. Why have these 2 things have not been removed from my report. Also, isn't it illegal to lie and falsify method of verifications. Isn't that a violation of the FCRA? I have attached the documents as well.

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 2021-07-02 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: OH

Complaint narrative:
I had purchased several items from XXXX on XX/XX/21. I ended up cancelling 4 of these items and asking for a refund which was done. NOW THERE IS A HOLD PLACED on my card where I can not access the funds. Tried reaching out to the customer service number and told nothing could be done, called back today and no answer. Sent a message to the customer service via email this morning. I need to access my funds and this is totally fraud on part of Netspend. I WANT MY FUNDS RELEASED and will be going with another financial institution for my banking needs as I have a direct deposit set up with Netspend.

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 2021-07-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX TransUnion LLC Consumer Dispute Center P.O. XXXX XXXX XXXX, PA XXXX Dear TransUnion, I have contacted you via phone and certified mail numerous times in regard to this issue that has remained unresolved. There are two inaccurate late payments reflecting on my XXXX  credit report : 1 : XXXX XXXX Account # : Ending in XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # : XXXX Date : XX/XX/XXXX I have provided you with documents from both XXXX XXXX as well as XXXX XXXX XXXX and the errors continue to remain reporting inaccurately on my Credit Report. I have sent these exact documents to XXXX  and XXXX  and they were able to update my file almost immediately. As I am aware that you have full access to my credit file, you will see that I have never made a payment late ever in my life. My credit is extremely important to me and I make it a point to ensure I stay on top of my credit file. I understand mistakes do occur, but this should have been corrected months ago. According to the Fair Credit Reporting Act section 623 ( a ) ( 3 ), you are required to investigate claims of inaccurate information, and when information is proven to be inaccurate, correct the mistake. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have had well over 30 days to complete this investigation, and I am keeping careful record of your actions. My next step will be filing a complaint with the FTC. Failure to respond satisfactorily will result in a small claims action against your company. 

Thank you for your time and help in this matter.

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 2021-07-02 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: NJ

Complaint narrative:
In XXXX of XXXX, I submitted a dispute with XXXX XXXX credit card regarding three late payments. In XXXX of XXXX, I began the process of homeownership and I was informed by my bank that I needed to remove my disputes. I contacted the credit bureaus on XX/XX/XXXX to have the dispute removed and it was removed but subsequently placed back on my credit report. I contacted the credit bureaus again on XX/XX/XXXX and the disputes were removed and appeared again. I contacted the credit bureaus on XX/XX/XXXX and they were removed and reappeared again. On XX/XX/XXXX, I contacted XXXX specifically and I was told that I needed to contact XXXX XXXX because they are the once that are reporting this dispute to them. I called XXXX XXXX and I was told that there is nothing that I can do, I have to wait for them to respond to my request to have the disputes removed that I submitted on XX/XX/XXXX. I asked the outcome of my dispute removal request on XX/XX/XXXX and they did not have an answer to give me. 
I believe that XXXX XXXX is behaving in a manner to punish consumers that dispute negatively reported items. I also believe that XXXX XXXX is in violation of protections offered to consumers by continuing to report this information as being in dispute that I have asked to be removed four months ago.

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 2021-07-02 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: NJ

Complaint narrative:
In XXXX of XXXX, I submitted a dispute with XXXX XXXX credit card regarding three late payments. In XXXX of XXXX, I began the process of homeownership and I was informed by my bank that I needed to remove my disputes. I contacted the credit bureaus on XX/XX/XXXX to have the dispute removed and it was removed but subsequently placed back on my credit report. I contacted the credit bureaus again on XX/XX/XXXX and the disputes were removed and appeared again. I contacted the credit bureaus on XX/XX/XXXX and they were removed and reappeared again. On XX/XX/XXXX, I contacted Equifax specifically and I was told that I needed to contact XXXX XXXX because they are the once that are reporting this dispute to them. I called XXXX XXXX and I was told that there is nothing that I can do, I have to wait for them to respond to my request to have the disputes removed that I submitted on XX/XX/XXXX. I asked the outcome of my dispute removal request on XX/XX/XXXX and they did not have an answer to give me. 
I believe that XXXX XXXX is behaving in a manner to punish consumers that dispute negatively reported items. I also believe that XXXX XXXX is in violation of protections offered to consumers by continuing to report this information as being in dispute that I have asked to be removed four months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XXXX of XXXX, I submitted a dispute with XXXX XXXX credit card regarding three late payments. In XXXX of XXXX, I began the process of homeownership and I was informed by my bank that I needed to remove my disputes. I contacted the credit bureaus on XX/XX/XXXX to have the dispute removed and it was removed but subsequently placed back on my credit report. I contacted the credit bureaus again on XX/XX/XXXX and the disputes were removed and appeared again. I contacted the credit bureaus on XX/XX/XXXX and they were removed and reappeared again. On XX/XX/XXXX, I contacted XXXX specifically and I was told that I needed to contact XXXX XXXX because they are the once that are reporting this dispute to them. I called XXXX XXXX and I was told that there is nothing that I can do, I have to wait for them to respond to my request to have the disputes removed that I submitted on XX/XX/XXXX. I asked the outcome of my dispute removal request on XX/XX/XXXX and they did not have an answer to give me. 
I believe that XXXX XXXX is behaving in a manner to punish consumers that dispute negatively reported items. I also believe that XXXX XXXX is in violation of protections offered to consumers by continuing to report this information as being in dispute that I have asked to be removed four months ago.

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 2021-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Letter to Remove Inaccurate Credit Information : To Whom It May Concern, I received a copy of my credit report and found the following item to be errors. Here as follows are items in error:1.TransWorld Systems Inc : {>= $1,000,000} XXXX XXXX XXXX, CO XXXXPlease validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. Under the FDCPA Act, I am requesting proofof this debt:1.Original contract that bears my signature as a promise to pay2.Itemized account charges for the full amount requested as well as any payment history3.Proof of license to collect in the State of Florida4.License # and Registered AgentIn the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. My next step will be filing a complaint with the FTC. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself, if this matter is not resolved. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Hi, I just ( XX/XX/2021 ) get this suspicious mail from Transworld Systems INC. With a claim that I owe a debt. Details as follow : File number : XXXX Invoice # : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX The debt amount is {$360.00} The address on the envelope was wrong ( wrong ZIP and State ) I do not recognize this debt and believe that is a fraud. I send a registered mail to the company with a request for additional information. Please advise what to do next. 

Thanks,

Company response to consumer: Closed with explanation