vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit System is reporting inaccurant information on my credit report. 

They are reporting that I owe them XXXX dollars from an apartment who are misrepresenting our arraignment and providing the with inacurate information. 

The apartment complex had my correct address and fowarded mail was provided but did not send me the letter advising when and why they reporting my debt to a debt collector. I recieved other mail to my new mail box- they did not even attempt to send me a debt collection letter. If they did I would have challenged the inaccuries of their report. XXXX began being fowarded XX/XX/XXXX which is a few days before I moved out. 
They were very nice in talking and never answered my emails back, but only would come to my door and talk. 

They were offered back pay before this time they reported this information and refused the accept the money and National Credit System has not been able to provide me with any truthful information involving this debt, but yet sent the paper to Nation Credit system without sending it to me so I could defend myself. 

This has caused me to have to leave in a homeless shelter because I am not able to get adeqate housing. I have disputed this account already and will attached open dispute in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
aidvantage, I have been calling in order to understand what has happened to my student loans. all three times I call the operator was rude, and put me on indefinite hold. 

I m very upset. I m trying here. I would like some clarity on what is happening to my loans, when they will be due and maintain a healthy relationship with this burden. 

I can not believe how unprofessional Aidvantage operators are. It is already hard enough to make payments, now I have to deal with children like behavior from the operators. This is not a game, this is my life. I m trying to put an end to this 20 year debt burden I have. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022, I used XXXX to send disputes to Experian, due to being unable to go the physical post office or unable to upload any documents. Each time I try, I receive an error message. The documents were delivered XX/XX/2022. I never received any correspondence and I called Experian on XX/XX/XXXX to inquire about my disputes and was told they were not processed because they thought they assumed they came from a third party, like a credit repair company. I let them know that since I am XXXX XXXX due to long XXXX symptoms, I could not physically get to the post office so I used XXXX to send the mail for me. They said I could upload and I mentioned that it would not allow me to. They sent me to their help desk and they were still unable to fix it. They said that they would take my dispute over the phone but I let them know that I had supporting documentation that needed to be attached. I let them know that I would send the documents again and to put notes in my account that my disputes were not coming from a third party. On the XXXX, I received notice that one of my disputes to XXXX XXXX was already completed and my account had been undated. I checked and the update is incorrect as I have documentation that the account was not charged off. Experian claims that they do not have any other way of processing disputes, which leave consumers such as myself that are XXXX or XXXX  at a disadvantage.

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 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/XXXX I contacted Goldman Sachs about my Apple Card. The app setup my auto payment to pay full balance monthly. I didnt notice it until I saw a payment of XXXX. I called for it to be reversed or cancelled and the rep processed it. On XX/XX/XXXX I noticed a declined transaction due to over my {$3500.00} limit. I new I havent used the card that much so when I checked my balance was {$4800.00}. They doubled the reversal. They have been reporting that over limit balance to the credit agency plus charging me interest. I contacted them again XXXX, and XX/XX/XXXX to get different stories each time. The last was a supervisor that said she has seen this many times but never heard on one being resolved. I was told everything to 3 days, 7 days, 10 days, 30 days and 90 days to get fixed. They finally sent an email saying the dispute was rejected. This is simple math. I also checked with my bank and I only received one refund from them as one of the supervisors said the problem was due to multiple refunds. I have seen others on forums complaining about the same thing. This means they are stealing money via interest or payments made for an error in their behalf. This is not legal. Please advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22 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: AES/PHEAA
State: GA

Complaint narrative:
On XX/XX/XXXX I obtained credit reports from XXXX, XXXX, and XXXX. On all 3 credit reports, I noticed a total of 14 late payments still reporting on both of my American Education Services/National Collegiate Trust ( AES/NCT ) student loan accounts. AES has a policy that has been in place since XXXX surrounding approved forbearances covering and reversing any late payments obtained during that time. I reached out to AES via email to their Consumer Advocate Team to let them know that they were reporting late payments on my credit report that shouldn't be there according to their forbearance policy. I received a response 2 days later saying that all credit reporting information from their company is factual and I need to dispute it through the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: MA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: MA

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-03-22 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 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: OH

Complaint narrative:
On XXXX XX/XX/2022 I sent certified letters to all XXXX XXXX XXXX agencies as well as the collection agency, XXXX XXXX, in XXXX, OH and University XXXX that placed a {$210.00} unpaid bill for collection on My accounts. I included XXXX pages of documentation proving that I was not responsible for the unpaid bill and OPTUM acting for the XXXX XXXX specifically stated as such in this documentation. XXXX is authorized to act for the XXXX. Furthermore, the bill went unpaid because the hospital did not seek re-embursement within the required XXXX  day window, perhaps because of the start of XXXX? There are numerous other inaccuracies on My accounts which I detail in each letter. 

In reply letters, XXXX resolved the issues, however, XXXX and Transunion refuse to take the necessary action to resolve the situation despite a follow-up phone call directly from Me. I can not waste any further time with these unresponsive agencies. I must have the inaccuracies rectified in order to access My eBenefits account with the XXXX. which uses ID.Me to verify My identity using information directly from My Credit Report. 

All the pertinent details are included in the letters I sent to these credit agencies on XXXX XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
As an Active-Duty Service member, I am ashamed and disgusted with how I was treated during my call with AMEX. On XX/XX/2022 I contacted AMEX in regard to a defaulted account. I explained that I had experienced a financial hardship and that I wanted to re-establish a relationship with AMEX by satisfying my debt. After speaking with the representative for about 20 minutes discussing available options, he informed me that his manager, XXXX, was listening in on the call and wanted to speak to me. XXXX began speaking in a hostel and threatening manner, stating, " they were going to send my account to collections if I didn't take the offer and that I didn't want that ''. When I refused and ask about the financial hardship program, he became annoyed and spoke to me in an intimidating manner. He then told me AMEX didn't offer financial hardship programs, which I know isn't true. I explained, the person I spoke to previously, told me he would get to the perks of the XXXX and now you're telling me this isn't a thing. I informed XXXX that I wanted to come up with a plan and put things in writing so it's a binding agreement and he refused and said they couldn't assist me because I wouldn't make a payment during the time of the conversation. He later stressed the fact that I hadn't made a payment in over a year. I then told him that understood how things worked and that I wanted an agreement. I even stress the fact, AMEX had reported my accounts incorrectly on my credit report that gives misrepresentation of my account status, but my intentions weren't to challenge them but to meet common ground. I have never experienced anything as such from AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I had amazing credit until recently when XXXX reported that I was past due on my payment some time in XX/XX/XXXX '. When I received an alert saying my credit score had dropped I was dumbfounded to learn that my car loan company was claiming I had not made a payment in two months. Upon checking my account through their app I learned my scheduled payments were no longer being applied for reasons even they could not explain so in XX/XX/XXXX ' I promptly brought my account current and while disappoint it had negatively impacted my credit score I assumed responsibility and made sure my correct card info was there and that I'd get alerts should parents not post going forward. Well it happened again for XXXX. To summarize I'm paying my car note from the same account I've been paying from for the last year and despite the funds being fully available and them confirming per their app payment was posted only for several days later to be returned unpayed without any notice or attempts at contacting me either by phone or even an automated alert to which I'm signed up for leaving me to not see this until I am paying the following month. When I contacted XXXX to gain insight on the matter ( sidenote : I had also been having concerns due to the fact I'd been receiving notices someone accessed my account with my login info when I had not logged in myself ) the representative admitted they had been having issues with alerts and could not give me a reason why they were not sending any email or calls about it and that I'd have to dispute the late payment reported on credit. Well I did dispute the first one and didn't get a clear reason why it hadn't been removed. I'm currently trying to buy my first house and obviously this should be detrimental to the ability to qualify for a loan to do so which has already been a struggle for other reason I'm dispute on another claim. It's clear from my bank statement the funds were available to make the payments and recording from XXXX acknowledging them being unsure why it didn't go through either and the representative inability to remove the late payment status 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 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have two situations. 

The first situation, every time I have a credit, it is never reflected in the balance. It is almost like the credit is either backdated or the debit is applied twice. Today, XX/XX/22, I disputed a charge with a merchant. The issued a credit for {$58.00}, it was reflected in the ledger but not in my balance. This has happened several times, and I am just noticing that Navy Federal is back dating credits so that they do not actually get applied. THIS IS THEFT!!! 

Second, I called XX/XX/22 in regards to disputing a recurring charge. I was told that I would have to cancel the card, at which I could not do because I have pending things scheduled ( that affect my children 's lives literally ) & if the payment does not process, it will cancel out completely and it was too late to update with a new card ( they require 5 days notice, it is 3 days before the debit date ). I advised I could call back after the payment processed so it would not be in jeopardy. The institution took it upon themselves to cancel my card & did not even initiate a dispute to recoup my funds. The supervisor, XXXX who did this, responded to me saying this is going to impact my kids, & literally begging & crying to not do this until after that payment, by telling me " oh well its cancelled now. You don't have a say. '' So if my kids end up hospitalized, or even worse, I will sue this company and individual. 

This entire bank should be shut down based on the multiple complaints of them baiting & switching and stealing people 's money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-22 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: MA

Complaint narrative:
Ive contacted all 3 credit bureaus regarding a 30 day late payment posted on my credit report for my car loan with XXXX for the month of XX/XX/2021. This account was never 30 days late. XXXX investigated and couldnt verify that the info was correct. They removed it. Experian and XXXX both keep stating the info is accurate, but neither will provide the proof of this accuracy or the person they contacted or documents showing it is in fact accurate. I have requested this 3 times. They have not removed it.

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