vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ATG Credit, LLC
State: UT

Complaint narrative:
I received a collection notice from ATG Credit , llc. on, or around XX/XX/XXXX. The letter is dated XX/XX/XXXX and is claiming a debt owed to XXXX XXXX XXXX for labs billed by the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on XX/XX/XXXX. My understanding is that XXXX XXXX XXXX filed bankruptcy in XX/XX/XXXX and went of out business at that time. 
When I received my original statement from XXXX XXXX my insurance at that time ) in regard to XXXX XXXX XXXX bill, it showed the allowable charges and their payment. It also had an explanation of benefits that states I have 0 % patient responsibility for the remaining balance. XXXX was a contracted insurance provider with the office. 
The billed amount from XXXX XXXX XXXX was {$4600.00}. XXXX paid for the allowable charges and sent a statement explaining the balance with a {$0.00} patient responsibility. I have a copy of this statement. I also sent a response to ATG Credit, llc.within the required 30 days asking for proof of services that created the alleged debt, how the debt was calculated, copies of any papers that show I have an obligation, show that they are licensed to collect in the state of Utah, and provide me with their license numbers and Registered Agent within 30 days. 
In response ATG Credit , llc. sent a repeat request on XX/XX/XXXX with none of the requested information. Just a list of billed labs. 
I should also mention that after the statement from XXXX was received XXXX XXXX XXXX never sent any further communication. XXXX XXXX XXXX told me their contract with XXXX XXXX XXXX states they accept payment of whatever allowable charges are paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: VA

Complaint narrative:
I sent a bank deposit transfer, XX/XX/XXXX for {$2500.00} from my debt card using Remitly. The status is stating completed, but the recipient hasn't received the funds in their bank account. 
I contacted the XXXX XXXX  who has confirmed the money has not been transferred. I have a copy of the bank account statement that further indicates the money has not been transferred. 
Each time I contact Remitly customer service Im given different version of events, different resolution protocols, false promises of emails, calls etc. Additionally I keep getting an arrival time email when the funds have not arrived. 

Transfer No : XXXX XXXX XXXX XXXX Recipient XXXX XXXX XXXX XXXX  Recipient phone XXXX XXXX XXXX XXXX Bank XXXX XXXX  Recipient Account Number XXXX Sent- XX/XX/2021 Express Senders Name- XXXX XXXX XXXX XXXX Number XXXX Senders personal email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have settle account with Navient # XXXX via XXXX XXXX XXXX # XXXX who bought manages their past due accounts. This account was settled in XX/XX/XXXX but XX/XX/XXXX this accounts still shows a balance. I have called multiple times to clear this out and I am constantly told that they are going through a system conversion that is taking long for them to reflect payment received. I called enterprise and they advised me payment was sent to navient the first week of XXXX in t he amount of {$650.00}. I called navient and a escalation manager sent me a XXXX balance letter but this morning I received a statement showing i still have a balance. Please help! This is ridiculous that this company is reporting incorrect information and keeping my money if settlement and have no response to when all this information will be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: TX

Complaint narrative:
The lender is Sallie Mae. Off top this bank makes you think your are getting a government loan when actually it is a bank and the loan is private. I even questioned is this The Sallie Mae and they said yes. It was not until I could not get a deferment that I found out that I did not have a government loan. My loan about was {$4700.00}, my principle balance is {$6100.00}, and I will actually paying back {$9600.00} after 10 years of the expected payoff date. They are not offering any COVID opportunities deferment, they did not take into consideration that I am not working due to COVID and they have reported me to the Credit Bureau. I thought it was illegal to pay more than the borrowed amount on any loan, this is certainly part of the usury law. This company should not be allowed to use the name Sallie Mae, because people automatically think it is the government loan Sallie Mae. The did not try to help me during COVID, they do not have any reasonable options for this loan. This company has ruined my credit without giving me options. When I ask for a payoff, it was the principle balance. XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: TX

Complaint narrative:
After over 120 days of sending TransUnion several dispute letters directly using USPS certified mail green receipt return. They continue to willfully ignore, not take any actions, and continue to furnish detrimental inaccurate negative accounts on my consumer report. I have attached the most recent dispute letter I sent them below just for CFPB records. TransUnion has been in receipt of this letter now for over 35 days and willfully has not taken any action as legally required. TransUnion continue violating multiple sections of the Fair Credit Reporting Act including 15 USC 1681i by failing to properly and legally investigate these erroneous accounts. With the help of the Federal Trade Commission and my State Attorney General, I will be enforcing for all damages I the consumer have incurred pursuant to 15 USC 1681o of the FCRA.

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 2021-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RSI Enterprises, Inc.
State: TX

Complaint narrative:
Multiple letters sent with copy of discharge order. Company has not responded to multiple request to remove debt from credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC
State: AR

Complaint narrative:
XXXX XXXX said I owed a debt that was not my debt. I contacted them to let them know it was not my debt. This was in XXXX. They filed a lawsuit against me and I showed up in court. They did not show up, so the judge said to reschedule the court date. I did not receive notice of another court date. I did not receive any other correspondence from XXXX XXXX or from the court system. 
My employer received a letter from Lloyd and McDaniel in reference to XXXX XXXX with information to garnish my wages. I did not receive any information from XXXX XXXX or from Lloyd and McDaniel about this. The letter to my employer had the correct address, but the employer 's name was incorrect. It had a former employer of mine listed instead of my current employer. In the letter to my former employer ( that was sent to my current employer ), it had where there was a court case filed against me on XX/XX/XXXX. I had no knowledge of this at all. I was not served papers, I received nothing in the mail, and I received absolutely no notification of this action taken against me. I was not aware anything was filed in XXXX until I received a copy of the information Lloyd and McDaniel sent my employer on XX/XX/XXXX. 
The initial debt was not even my debt and I am still dealing with this 4 years later. Correspondence with the companies has been terrible. 
I have recently separated from my husband and I am in the process of getting a divorce. I went from a two income family to being a single parent of two children. Both children are beginning college in the fall. If XXXX XXXXLloyd and McDaniel garnish my wages, this will cause undue hardship on me. I do not have the ability to pay this debt, and it is not even my debt. XXXX XXXX and Lloyd & McDaniel have not followed the laws in that they have not had clear communication with me. They have gone behind my back and filed a lawsuit that I knew nothing about for 4 years. I would also like to know if the statute of limitations can go into effect with my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I HAVE NO KNOWLEDGE I HAVE NO INFORMATION I HAVE NO WRITTEN DOCUMENTATION I HAVE INFORMATION ABOUT THIS COMPANY I DID NOT AUTHORIZE THIS COMPANY TO SUBMIT OR RELEASE INFORMATION FALSELY AGAINST ME I DID NOT AUTHORIZE THIS COMPANY TO PLACE FALSE UNAUTHORIZED UNPROVEN FASELY ATTEMPTED INFORMATION FOR A PROFIT WITH AN ATTEMPT TO CAUSE HARM

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 2021-06-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have disputed this account several times but the bureaus are not responding accurately. I told them that I do not recognize this account and also demanded a proof on how they dealt with the information that they indicated on my report but still they did not deleted this account.

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 2021-06-21 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: UT

Complaint narrative:
I sent a disputed to Experian via certified mail of incorrect reporting on my credit report on XX/XX/2021. Disputed items include : 1. Account - XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX. XXXX, XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX, XXXX Utah XXXX XXXX. Personal Information- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX On XX/XX/XXXX, I received an investigation result of verified in repose to my dispute. On XX/XX/2021 I sent a re-investigation letter, & notice of request for method of verification via certified mail. The re-investigation letter & notice of request for method of verification was received by Experian on XX/XX/2021. On XX/XX/XXXX, there had been no notice of re-investigation processed or receipt of the method of verification. On XX/XX/2021, a notice for intent to sue was sent to Experian by certified mail if disputed items were not removed from my report within 5 days. 

Experian is currently in violation of FCRA section 611 ( a ) ( 6 ) & ( 7 ).

All disputed items need to be removed from my report & personal information needs to be corrected.

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 2021-06-21 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander willfully and illegally keeps furnishing inaccurate information to my consumer reports. The alleged account which they continue to furnish states various inaccurate account statuses and dates across my 3 main consumer reports. This account has long been closed and paid off, yet they continue to inaccurately report varying information to all the 3 main credit bureaus in direction violation of 15 USC 1681s-2 of the Fair Credit Reporting Act. Moreover, I never gave them my permissible purposes ( written signature ) pursuant to 15 USC 1681b ( a ) ( 2 ) to furnish this account to my consumer reports yet alone inaccurately. After attempting to resolve this matter with them directly over the last 100 days all to no avail, I am enlisting the help of the CFPB and Federal Trade Commission. This inaccurate and erroneous account needs to be immediately deleted from all my consumer reports to stop this reckless damage to my credit and consumer reputations. Failure to delete this account immediately from my consumer files will ensure I engage the help of my Attorney, State Attorney General, and the FTC to begin litigation against Santander. Pursuant to 15 USC 1681o and 15 USC 1692k of the Fair Debt Collection Practices Act, I will be enforcing for all damages this account has caused me the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21 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: Medical Data Systems, Inc.
State: FL

Complaint narrative:
Medical Data Systems XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In 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. 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. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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 XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In 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. 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.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

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 2021-06-21 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: PA

Complaint narrative:
O n XX/XX/2021 after noticing fluctuation on my credit score and submitting a complaining against XXXXXXXX XXXX XXXX with Court resolution to Transunion, the latter responded in jargons and unusual language. Calling the Company XXXX id # XXXX from the XXXX call center answered. Investigating about the issue, XXXX conveyed that XXXX XXXX was causing the mess despite Transunion, the bank have read the Court resolution and inviting the Transunion representative to read it, he refused to read the document stating that he had problem reading manpenship while the document is visibly clear. I believe either that the representative is unable to read English language and therefore, his employment is questionable or is most evident a possible cover up. At this point, i question the validity and accuracy of Transunion reporting agency. Asking for a supervisor or manager, nobody was able to respond. Please investigate

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 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XX/XX/2021 I looked at my Experian credit score which have been the same for about two weeks now of a XXXX. I was told by a mortgage broker that she could probably get me a loan for a home whats the score of XXXX or higher. When she pulled her credit report for me from Experian its stated that my credit score was a XXXX. A whole XXXX points difference from what I am seeing on my app that I am paying XXXX for the past 2 years for the Experian XXXX XXXX XXXX. I pay this through XXXX it is paid automatically every month for the past two years. I am also supposed to be able to receive all three credit bureau reports via my subscription. This is not possible when paying for the app via XXXX for some reason as well. Upon finding out my score of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This whole time during COVID-19 it has been a very dark time for me because I am alone. I have no one in physical form on this earth to care for me or about me and my life so this was very important to me to become a homeowner to actually mean something in society and to myself. This credit service should not be able to falsify any information of its customers. I really believed that I had a XXXX credit score with experience. Belief and hope that was almost extinguished if there wasnt someone else on the roof of the garage to talk me down. XXXX practices from a credit company should be illegal in all shapes and forms and fashions.

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 2021-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Unauthorized transactions have been made on my account since XX/XX/XXXX, while I am not in the US and couldn't have used this card. The transactions go on until XX/XX/XXXX, as a credit run low notification was sent to my email address. The transactions include XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX XXXX, totalling up to an amount of {$3600.00}. 

Once I discovered the fraud, I called Bank of America to file a fraud claim. While it was rejected at XX/XX/XXXX because of insufficient information, I discovered during a second phone exchange that a fraud alert was sent to a phone number, being the reason that they rejected the claim. However, the phone number they registered on file is not my own -- when opening the account, they misspelt my name and took down the wrong phone number. My number is XXXX XXXX, however, they directly took the 1 as the US country code and sent the information to ( XXXX ) XXXX. Having made the discovery on how the information leaked, I called the bank twice but didn't get a satisfactory answer. 

I believe that it is wholly the bank 's responsibility as they took down the wrong information in the first place and caused the fraud, so I ask for my claim to be paid.

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