vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-23 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: WI

Complaint narrative:
I sent a certified letter to all three credit bureaus requesting they delete this Closed account from XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX. It has been well over XXXX days and still no response at all. This violates the FCRA laws that state the credit bureaus have a responsibility to report accurate information within a timely manner. And this was not done. I have been denied credit and my credit score has decreased drastically.

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 2018-12-23 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: WI

Complaint narrative:
I sent a certified letter to all three credit bureaus requesting they delete this Closed account from XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX. It has been well over XXXX days and still no response at all. This violates the FCRA laws that state the credit bureaus have a responsibility to report accurate information within a timely manner. And this was not done. I have been denied credit and my credit score has decreased drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: WI

Complaint narrative:
I sent a certified letter to all three credit bureaus requesting they delete this Closed account from XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX. It has been well over XXXX days and still no response at all. This violates the FCRA laws that state the credit bureaus have a responsibility to report accurate information within a timely manner. And this was not done. I have been denied credit and my credit score has decreased drastically.

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 2018-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX {$44.00} - Original Debtor XXXX XXXX XXXX XXXX. This debt has been paid. Account Number XXXX No Account Number listed. PLEASE REMOVE XXXX   XXXX {$230.00} - XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE XXXX   XXXX - {$830.00} XXXX XXXX XXXX XXXX, KY XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX - PLEASE REMOVE XXXX and XXXX - Original Debtor - XXXX XXXX XXXX {$170.00}. PLEASE REMOVE PAID. 

NONE OF THESE ACCOUNTS HAVE ACCOUNT NUMBERS AND THEY HAVE BEEN 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
Consumer complaint received 2018-12-23 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: MA

Complaint narrative:
The attached post on my credit bureaus claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX XXXX XXXX XXXX XXXX Supreme Court decision of XX/XX/2017, whereas the third party purchase voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged.

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 2018-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX {$44.00} - Original Debtor XXXX XXXX XXXX XXXX. This debt has been paid. Account Number : No Account Number listed. PLEASE REMOVE XXXX XXXX {$230.00} - XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE XXXX XXXX - {$830.00} XXXX XXXX XXXX XXXX, KY XXXX. Original XXXX XXXX XXXX. XXXX XXXX - PLEASE REMOVE XXXX XXXX XXXX - Original Debtor - XXXX XXXX XXXX {$170.00}. PLEASE REMOVE PAID. 

NONE OF THESE ACCOUNTS HAVE ACCOUNT NUMBERS AND THEY HAVE BEEN PAID

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX - XXXX XXXX XXXX XXXX - Address XXXX XXXX XXXX XXXX, KY XXXX. Cost {$830.00}. Paid. PLEASE REMOVE XXXX XXXX - XXXX XXXX XXXX {$230.00}. PLEASE REMOVE XXXX XXXX XXXX {$44.00} - XXXX XXXX XXXX XXXX - PLEASE REMOVE XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX, TN XXXX - PLEASE REMOVE XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX - Address XXXX XXXX XXXX XXXX, OH XXXX PLEASE REMOVE

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 2018-12-23 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: MA

Complaint narrative:
The attached post on my credit bureaus claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX XXXX XXXX XXXX XXXX Supreme Court decision of XX/XX/2017, whereas the third party purchase voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged.

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 2018-12-23 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: MA

Complaint narrative:
The attached post on my credit bureaus claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX XXXX XXXX XXXX XXXX Supreme Court decision of XX/XX/2017, whereas the third party purchase voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
My repayment amount is {$140.00} and some change. They changed my auto pay to match that amount. My income based repayment plan was supposed to start on XX/XX/XXXX instead of XX/XX/XXXX. They said my bill for XXXX was {$330.00} and some change. I am set up on auto payments. Why did they only take {$140.00} instead of the supposed amount due of {$330.00}?? This caused me to be late saying I owe them {$190.00}. I did not want to mess up my credit so I sucked it up and payed an additional {$190.00} on XX/XX/XXXX even though I am on income based repayment and could not afford the additional amount. I am extremely frustrated with how they handled this whole process. They messed up application several times for income based repayment plan and I think thats why my bill is so high forXX/XX/XXXX. I filled out my part correct. It was completely on them mishandling my form. I want answers. I want my {$190.00} back. And I want them to say I was never late on my payment. I pay all my bills on time and this was their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: MA

Complaint narrative:
The original debt was charged off in XXXX, and is not even on any of my credit reports. How can a charged off debt over 10 years old be purchased? It was not purchased and this collection post is a complete fraud perpetuated against Experian, and an abuse of my rights under FCRA and FDCPA. The attached post on my credit bureau claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX XXXX XXXX XXXX XXXX Supreme Court decision of XX/XX/XXXX, whereas the third party purchase voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged. My information was obtained through a debt pooling process that should be terminated by the Federal Trade Commission. XXXX XXXX has committed a fraudulent act by even posting my antiquated information and there should be sanctions taken against this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, I opened an American Express ( AMEX ) Gold Card because AMEXs promotion, which I signed up for, where I would receive XXXX American Express Membership Rewards ( MR ) if I hit a minimum spend of {$2000.00}. As of today, XX/XX/2018 I have hit that minimum spend and have exceeded it, spending on a family trip for my upcoming family reunion, other miscellaneous household items, restaurants, and family expenses as I do NOT engage in Manufactured Spending. However, upon checking my account balance on the AMEX website on XX/XX/2018 I found that I still have not received the said XXXX  MR bonus points. I spoke to AMEXs customer service on XX/XX/2018 to inquire about this issue and was subsequently transferred to the Executive team and spoke to customer service representative, XXXX. This female representative explained that I would NOT be receiving my points despite my signed agreement with AMEX. I was told that there was some type of activity of misuse under my account and I was not eligible for the bonus points that was agreed upon. I asked the representative if they could further explain the situation and they would not give me further explanation. Moreover, I asked if I could appeal or speak to someone regarding AMEXs final decision and they said that they could not do so. I believe that AMEX has been engaging in deceitful and predatory marketing practices leaving middle class customers, like myself, to fend for themselves without recourse or even a fair playing field. 

I appreciate the CFPBs help and support in this manner. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: EQUIFAX, INC.
State: CO

Complaint narrative:
In addition to creditors reporting accounts paid in full, I faxed and mailed copies of lien releases, etc. to show accounts paid in full. These accounts were PAID IN FULL in 2015!!! I filed disputes with each bureau, attaching/uploading proof of payment. I even joined their monthly monitoring services hoping to resolve the errors. I went so far as to hire XXXX XXXX to repair my credit, no results and monthly fees. This has cost me thousands of dollars in increased interest, rent, additional fees, being able to purchase a new vehicle and being able to purchase a house. Granted, I should have checked before now, but I assumed since I made several attempts through different channels, there's no way those accounts are still on there!! I also assumed that it just took awhile for your scores to increase. That's what I get for ASSUMING!! 



Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: MA

Complaint narrative:
This collection has already been removed from my other credit bureaus, since the original debt charged off over 10-years ago. XXXX XXXX has violated its subscriber agreement with Experian. My information was taken off of a debt pooling system, has never been validated and can not be enforced by any additional collection process. The negative trade line needs to be removed permanently. It only appears on my Experian report, and XXXX XXXX has maintained it there in true violation of my rights under the Fair Debt Collection Practices Act.

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 2018-12-23 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: CO

Complaint narrative:
In addition to creditors reporting accounts paid in full, I faxed and mailed copies of lien releases, etc. to show accounts paid in full. These accounts were PAID IN FULL in 2015!!! I filed disputes with each bureau, attaching/uploading proof of payment. I even joined their monthly monitoring services hoping to resolve the errors. I went so far as to hire XXXX XXXX to repair my credit, no results and monthly fees. This has cost me thousands of dollars in increased interest, rent, additional fees, being able to purchase a new vehicle and being able to purchase a house. Granted, I should have checked before now, but I assumed since I made several attempts through different channels, there's no way those accounts are still on there!! I also assumed that it just took awhile for your scores to increase. That's what I get for ASSUMING!! 



Thanks

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 2018-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: A.C.S. Companies, Inc. I
State: IL

Complaint narrative:
Acme has contacted me through mail and by phone about a XXXX dollar balance of some sort of bill. I have tried to reach out to the agency several times to verify what the bill is for, who the original creditor was, and as well repeatedly requested copies of the original bill to verify it belongs to me and for what causes. Acme representatives have been extremely rude and have even resulted to sending me letters making false accusations with ALL CAPITAL LETTERS which seems a very aggressive form of communication. When I ask who the original creditor is and for them to verify the account is or was mine previously I am directed to multiple agencies and circled back around. In more detail I am told by Acme I need to contact the previous collection agency for any billing questions and when I do that I am routed rightfully back to Acme because the previous agency is not the current or active agent for trying to collect some debt no one can verify or show physical proof of. The company has threatened to take legal and credit reporting actions against me without proper cause or resolving or addressing anything to do with the bill itself allegedly claiming this is a debt in which I have occurred I haves sent several letters to the company including certified request and still the company refuses to address the verification of the bill. I informed them If this was from a particular incident that I would be more than willing to provide them with the insurance I had at the time if there was somehow some billing error and the insurance company was not billed but the company has refused to take the opportunity to resolve as the many other attempts I have made. The company has also falsified the address to which they have mailed documentation to me. I feel they have purposely sent mail to the wrong address to falsely warrant evidence of them sending documentations to me. The only reason I received one particular letter is because a neighbor I knew hand delivered it to me. The company claimed in its last letter to me that I have ignored them yet I have copies of the certified letters I sent as well as the receipts as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
I have made payments on this account consistently with a program called interest rate reduction. On XXXX started paying XXXX. I was told about a co-signer release upon making payments which I have consecutively and have proof, they not only disqualified me for interest rate program they know wont let me release my co-signer. And my payment went from XXXX XXXX to XXXX XXXX. No explaination just whats due and due date??? Since XXXX I have paid almost XXXX $ and have got no where and they wont work with or release my co-signer which is my XXXX XXXX and help me they just keep increasing and adding XXXX $ in interest for the last 7 years and I cant get anywhere with none of my loans as Navient. I am being taking advantage of someone who is tryin to make payments and be current and they have no options available to me and single full time working mother, that didnt graduate because of medical condition when I left college in 2009 and never graduated, burden of trying to make ends meet. This is the only loan I have really looked at concerning the lower payment and co-signer release. I was promised time and time when entering automatic payment withdrawal over XXXX months I would be able to release my co-signer, every time they wouldnt do it and would lie and make excuses.

Company response to consumer: Closed with explanation