vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX ) sent a " debt '' that I supposedly had been delinquent with since XXXX to AWA Collections. I was not aware that this was happening being I had moved and my phone number changed. In addition I had stopped paying for the service in XXXX and assumed the account was closed. Since XXXX, I had not seen or heard about a delinquent debt with this company XXXX, it was never reported as a delinquent account and they continued to bill me annually for the next XXXX years, even though they did not have communication with me. I recently went through a security clearance investigation and during that process, the XXXX in formed me of a collections on my credit report from AWA Collections, reported XXXX. I filed bankruptcy in XXXX and did not see any need to check my credit report recently because I haven't applied for any credit since the bankruptcy. If I would have known about the delinquent payment, I would have corrected it and stopped billing years ago and/or included it in my bankruptcy. I have not received any communication from AWA Collections regarding this debt since their reported it and only became aware of it during my security clearance investigation. I contacted AWA Collections and they told me the debt came from XXXX. I contacted XXXX and requested documentation of the contract and payment history and they have not responded. I do not feel like any of this is fair, nor do I feel like I should pay for a service I am not using, especially after 5 years of delinquency. The number to XXXX is ( XXXX ) XXXX, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The amount the sent to collections is {$650.00}, XX/XX/XXXX. The collection agency reporting this collection is AWA COLLECTIONS, phone number ( XXXX ) XXXX, address po box XXXX XXXX, CA XXXX. I have not heard from either company regarding this debt, I have not received a response for the documents I asked for from XXXX and I submitted disputes to all three credit reporting agencies for this collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX XXXX XXXX!!! 
My name is XXXX XXXX, I am XXXX XXXX XXXX father of XXXX. I am a XXXXXXXX XXXX XXXX at XXXX XXXX XXXX XXXX. 10-15 days ago I received an email on my school email account regarding a part time job opportunity. I did show interest and I trust the sender since it was sent from one of the school emails accounts. The person who claims to be a humantarian professor needed a assistant to purchase items for foster homes. After a few email back and forward I was hired for the job. The person who claims to be professor XXXX. XXXX, send me an e-check through my email for the amount of {$3500.00} on XXXX of XXXX. I was instructed to deposit the check in my account. I did deposit the check in my account and it was cleared fully after XXXX hours. The funds was available fully on XXXX of XXXX, and I got a confirmation message from chase bank regarding the clearance of the check. Then the guy who claimed to be professor XXXX XXXX, instructed me to subtract {$500.00} for my weekly payment as it was agreed. The rest of the funds were supposed be for the purchase of the items for the foster home kids ( Diapers, stationary, bedsheets, etc. ). However, XXXX XXXX XXXX instructed me to send the money by XXXX transections to someone by the name of XXXX XXXX for the amount of {$2000.00}, and {$1000.00}. He claimed that the foster homes can not receive any thin by Mail or delivery due to XXXX. I did sent {$2000.00} on XXXX and another {$1000.00} on XXXX of XXXX through XXXX ( A third party money transfer platform offered by chase Bank ). On the XXXX of XXXX the {$3500.00} check which was initially cleared by the chase bank was withdrawn form my account. I called my bank to find out. They told me although they cleared the check initially and the amount was available. The process usually take XXXX days. Now, the {$3500.00} is withdrawn from my account and also the {$3000.00} ( XXXX transection of {$2000.00}, and {$1000.00} through XXXX XXXX is gone form my account. I end up losing {$3000.00} plus the {$500.00} of my weekly pay as it was promised. At this point I am sure I become a victim of the fraud by the online scam. However, the chase bank caused this by clearing the {$3500.00} check initially without completing the process. This caused my lose my money and I am student can not afford to lose {$3000.00}. Therefore, I kindly request further investigation into this fraud issue. I have all the emails, text messages and receipts form chase bank and the other parties. I am welling to share any of those information incase an investigation is needed. Thanks a lot in advance and I am looking forward for your help in this case

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-21 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: AZ

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian will not delete an account that has been forgiven. It is showing a derogatory status of owing a balance of XXXX. I have included a letter from US auto stating that not only was the balance that they are reporting is incorrect, but also that it has been forgiven. This is damaging to my credit. This is a violation of 15USC 1681. I demand that this be removed immediately.

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 2022-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XX/XX/2022 I noticed that my credit score that I had been working diligently to get back into a great shape, took a hit when Navient reported my federal student loan as 90-days delinquent. This dropped my score close to XXXX points. 

( Financial literacy isn't taught in schools, and coming from a first generation family raised by my widowed mother this is something I am having to learn for myself. I understand that ignorance is no excuse, but I hope that you can take that information and help in any way possible. ) I called Navient that same day and was told they were not aware of any presidential pause extension. I was told to write a letter requesting it be removed. I wrote a letter right away explained that student loans were under a President Biden 's federal student loan pause. 
( As of right now the extension is until XX/XX/2022 ) I wrote the letter, explained that I thought that along with all the other student loans it was paused. Per the Navient rep FFELP loans don't qualify which wasn't something I was aware of and as soon as she explained this particular loan was excluded. 
I also made the payment showing outstanding, and set this up on automatic deducting payments going forward. 

I would appreciate any any all help to remove this derogatory remark from my credit report. 

Thank you Kindly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: ProCollect, Inc.
State: NY

Complaint narrative:
This company is in violation of the following : Violation : 15 USC1692 e ( 2 ) reporting inaccurate debt amounts Violation:15 USC1692 b ( 2 ) Violation:15 USC 1692 b ( 5 ) Violation:15 USC 1692 e ( 11 ) Remove this amount reported falsely on my report immediately. This company failed to verify and prove this debt belongs to me and that the information reported is accurate. 

This company claims an account was opened on XX/XX/22 ... .. provide original documentation proving this to be a mutual contract agreement. Also provide the invoice showing why this money is owed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-04-21 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I have had a myequifax account for a few years. I suddenly have no access, multiple tickets have been created to resolve the issue. I have received several emails with no resolution. On XX/XX/XXXX a fraudulent account was inserted into my credit profile. On XX/XX/XXXX I contacted Equifax and was told to fax all information. I have contacted this company several times and my faxed documents are still not uploaded to my account and myequifax account is still not accessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax will not delete an account that has been forgiven. It is showing a derogatory status of owing a balance of XXXX. I have included a letter from XXXX XXXX  stating that not only was the balance that they are reporting is incorrect, but also that it has been forgiven. This is damaging to my credit. This is a violation of 15USC 1681. I demand that this be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received a bank statement from Bank of America, for a checking account that I never opened. I called the customer service number in XXXX and was hung up on when i tried to report this as fraud. I called back immediately after that and was on the phone for 2 hours, most of it was waiting to talk to someone, and this account was to be closed. Today I just received another statement. I don't know what else to do.

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 2022-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/2022 I paid the collection account XXXX XXXX XXXX. The account was supposed to be deleted after payment. It was updated to paid and is still reporting on all three credit bureaus. Not only is it reporting it is full of inaccuracies and credit reporting violations. On XXXX and XXXX a payment history is being reported. Which from my understanding a collection account can not report a payment history. Also on Transunion its showing as an open account, a collection account can not be reported as open. Can this account please be removed from my credit report due to the violations and because the company said they requested deletion.

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 2022-04-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2022 I paid the collection account XXXX XXXX XXXX. The account was supposed to be deleted after payment. It was updated to paid and is still reporting on all three credit bureaus. Not only is it reporting it is full of inaccuracies and credit reporting violations. On XXXX and Experian a payment history is being reported. Which from my understanding a collection account can not report a payment history. Also on XXXX its showing as an open account, a collection account can not be reported as open. Can this account please be removed from my credit report due to the violations and because the company said they requested deletion.

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 2022-04-21 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: National Credit Adjusters, LLC
State: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Fraud credit card was opened under my name with Capital One bank. I notified Capital One bank about this fraud account and they denied to open up a fraud investigation. I disputed the fraud Capital One bank credit card account with credit bureaus and Capital One bank keeps verifying the accuracy of this account with XXXX credit bureau, but they have notified to XXXX XXXX and XXXX that this credit card account is a fraud account and requested it to be blocked/removed from XXXX and XXXX XXXX XXXX However it's still reporting in XXXX. XXXX  XXXX bank keeps reporting in my XXXX credit report a fraud account and refuses to investigate it any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I can't log into my Aidvantage account. The wheel keeps spinning and then goes to an error page. I've tried this on three different browsers, first on XXXX and XXXX. in XXXX it doesn't populate the login box.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mendelson Law Firm
State: TN

Complaint narrative:
I went to XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. I was making payments towards my bill but I couldnt afford the payment plan that the hospital had arranged. They then sent the debt to Mendelson Law Firm. I asked the law firm to send me a break down of my charges and a signed XXXX Form stating that I agreed to share my information with them. No signed form has been received. Also they gained access to my personal medial files without my authorization, permission, or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: SECURITY FINANCE CORP
State: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report 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 explanation
Consumer complaint received 2022-04-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
XXXX department store. I settled back on or before 2019 and it still shows up against me. Its clear on their end seeing that I already have another credit card through them. Its only showing on the credit reporting side that its still open and against me.

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 2022-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I was promised 3 tickets to a concert. The seller did not actually have tickets. They have scammed numerous people lately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: WA

Complaint narrative:
A fraudulent card was opened in my name that I never applied for. Card balance is at {$10000.00}

Company response to consumer: Closed with explanation