vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Hi : I had taken a student loan from XXXX XXXX for financing my XXXX  degree. Firstmark Services is the current service provider for XXXX. I have XXXX student loan accounts with XXXX, XXXX for the first year and the other for the second year of study. The money was provided by XXXX in XXXX installments. 

Based on the agreement with XXXX at the start of the loan, I am entitled to 3 years of forbearance period on each of the XXXX accounts mentioned above. I called up Firstmark Services on XX/XX/2022 and was informed that XXXX of my accounts has 12 months of forbearance left and the other has 7 months left. 

However, for the last couple of months the XXXX servicing team is refusing to apply the remaining forbearance period on my account. They are falsely stating that I am entitled to only 2 years of forbearance on each account. 

Furthermore, they are asking for sensitive personal information such as the names of the companies that I have applied for a job to, personal bank statements etc. I have also been informed by external recruiters that XXXX has divulged my personal information to them. This is very disturbing. 

The XXXX servicing team is not authorized to handle my account in any case. After my loans were disbursed, the operations of my account were transferred to Firstmark Services. The current interference of the XXXX servicing team is illegal and I suspect they may not be affiliated with the actual company. It is a very real possibility that the acts of the XXXX servicing team constitute some kind of fraud. 

I have tried to reach the senior leadership at XXXX to gain more information on this matter but have not received any response or reply from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
This company has reported inaccurate information on my credit report. They bought my information from another company and they are trying to collect a debt they can't. I never had a contract with this company. They have also broken the law! 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and ability to obtain credit for personal and house purposes 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commercial Acceptance Company
State: NJ

Complaint narrative:
Commercial Acceptance Company, XXXX Latest communication is a letter dated XX/XX/XXXX. This company has repeatedly called me and now have sent a letter demanding I pay a medical bill that has already been paid for by my medical insurance company. I repeatedly stated to this company that the company that hired them, XXXX XXXX XXXX XXXX, has received payment as of XX/XX/XXXX for an ambulance ride on XX/XX/XXXX, which they were charging to the wrong insurance company. I communicated with them, the ambulance company and my insurance company and it was the error of the ambulance company. However, this debt collector continues to call me. I am XXXX, with several debilitating conditions and receiving these communications has significantly increased my XXXX and affected my health negatively. I last received a phone call around the beginning of XX/XX/XXXX to which I contacted again my insurance company and they noted the bill from the ambulance company had been paid in full. I received a letter today, XX/XX/XXXX again stating I owe this debt that has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This company has reported inaccurate information on my credit report. They bought my information from another company and they are trying to collect a debt they can't. I never had a contract with this company. They have also broken the law! 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and ability to obtain credit for personal and house purposes 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: TX

Complaint narrative:
In XX/XX/XXXX I opened an account with Ashley Furniture and they used Synchrony Bank. I was not supposed to be responsible for any payments until I received the items. I did not get any items and got charged. On XX/XX/XXXX I went in person to Ashley Furniture at XXXX XXXX  XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) and spoke to the Manager, XXXX. The interaction lasted 38 minutes and 10 seconds and is recorded. In the recording you can hear the Manager, XXXX, state he closed the account under " Manager Approved Exception. '' He also told me to contact their Guest Response Team at XXXX. On XX/XX/XXXX at XXXX I called the Guest Response Team. I spoke to " XXXX '' for 38 minutes and 23 seconds and it is recorded. In the recording you can hear the representative close the account and create a ticket # XXXX regarding the rug that was showing in their system as delivered even though I never received the item. I have file 2 complaints with the CFPB concerning the unethical business practices and inaccurate credit reporting. Both times Synchrony Bank has refused to acknowledge they are billing me for an item delivered to someone else. On my credit report, It is showing the account as " open '' when I have 2 recorded conversations from 2 different people in 2 different departments stating the account has been closed. I received a typed response to my CFPB complaint stating they closed the account on XX/XX/XXXX and listed the account as " closed by grantor '' even though I have recorded conversations on 2 separate days requesting the account be closed. As of today, XX/XX/XXXX, Synchrony bank is still inaccurately reporting to the credit bureaus. I will be pursuing legal actions against Synchrony Bank because of their violations and con-compliance with all applicable laws and regulations.

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 2022-08-13 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: GA

Complaint narrative:
the reporting company list inaccurate information on my credit report like address, and duplicate accounts.

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 2022-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
company is reporting my nonpublic information without my consent, under 15u.s.c6802 Obligations with respect to disclosures of personal information. I have the right to privacy and never consent to report or was told I have the right to opt out this is identity theft and is violation of my consumer rights

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 2022-08-13 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX we have found out that our credit card ( Chase Sapphire XXXX ending XXXX, issued by Chase Bank, anual fee {$95.00} ) was closed by the bank. We have lost XXXX accumulative reword points ( worth about {$680.00} dollars ). 

We callled the Bank card service XXXX and got no resolution. They told us it was clased by the bank in XXXX and we lost all the points. 

We went to local branch office on XX/XX/XXXX at the XXXX XXXX XXXX, XXXX XXXX, CA XXXX The bank XXXX told us that Chase has sent us a notice on XXXX/XXXX/XXXX. 
We told the officer that we have not recived any letter from Chase for the closure.

The XXXX said that he will as a internal followup. 

Later we have used the XXXX secured Email to ask for a copy of the letter they sent to us about the closure. On XX/XX/XXXX, they responded that Chase automatically closed our account due to " BANK POLICY ''. It is very unfair to us without notifying us about the closure and made us lost the {$680.00} worth of the points. 

Please help. 

Th Bank is Chase and the Crad is SAPPHIRE XXXX Card We had the card from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: GA

Complaint narrative:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. 1 never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HEAD MERCANTILE CO., INC.
State: MS

Complaint narrative:
Im a victim of balance billing my XXXX. I had services done through XXXX XXXX of XXXX, XXXX XXXX XXXX, XXXX, XXXX 39501.They sent me a bill for the remainder balance of a service that was not fully paid by XXXX 's XXXX ( XXXX XXXX XXXX XXXX XXXX after the service was paid by XXXX ( XXXX ) XXXX called XXXX several XXXX before about the issue with XXXX XXXX sending me a remainder bill of services rendered allowed charges through the state XXXX contract XXXX I also called XXXX billing about this issue recently and was told there was no balance. I believe this is because they sold it to Head Mercantile Co IncXXXX Today, I received notification from my XXXX that head XXXX XXXX reported this balance bill as collections on my credit report. I have tried to dispute matter. XXXX they said they took care of any bills remaining and should have not been billed, This is the 5th time I've tried to take care of this matter. Open date of collection was XX/XX/2020 and was reported XX/XX/XXXX i believe could be wrong.. XXXX didn't remove bill from account and head mercantile purchased this bill. They have now reported this to my XXXX as collections..NO bill notices were sent. I called XXXX today they said there should be any bill sent to me and Ive opened a grievance. This is illegal to balance bill a XXXX patient, even managed care XXXX, in the state of Mississippi. THEY have never sent a bill in mail paper. 
Head Mercantile address is : Head Mercantile Co Inc ( sos ) Business Phone : ( 440 ) 892-2300 29065 clements rd ste 200 Westlake, OH,44145 Memorial Hospital Gulfport 4500 13th St, Gulfport, MS 39501 228-867-4000

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit reporting act XXXXXXXX XXXXXXXX # XXXX, has violated my rights. 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 XXXX 9014 .... Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. Before Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .... Type Auto Loan Terms 76 Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance XXXX XXXX  Monthly payment {$0.00} Recent payment amount {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XXXX XXXX. Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. After Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Type Auto Loan Terms 76 Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance XXXX XXXX  Monthly payment {$0.00} XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XX/XX/XXXX. Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. XXXX XXXX .... Updated The information you disputed has been updated. Please review your report for the details. XXXX XXXX .... Updated The information you disputed has been updated. Please review your report for the details.

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 2022-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/2022 CHASE AUTO /REDEMPTION DEPARTMENT contacted me to say my car was not late, but i requested information on my loan I requested Accounts 31 U.S.C 5118 Creditors consumer are the Creditors Customers are the creditors receivable and accounts Payable for account # XXXX and they sent me a payment history15 U.S.C code 1692j-Furnishing certain deceptive forms from their company and not from the ledger these we mailed to Chase Auto XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, LA XXXX they then I sent the full amount of the payment and they still repossessed my vehicle after repossessed my vehicle and they accepted my instrument UCC 3-104 Negotiable instrument and didn't honor it I redeemed in lawful money presient to title 12 U.S.C 411 and full acquittance and discharge per Title 12 USC 95a and the picked my car up illegally stole my vehicle 15 U.S.C 1602 ( g ) .after they stole it i hade to send them a payment for the full amount and they still reported ,18 U.S.C section 371 Conspiracy, 15 USC 1692e ( 1 ) 15USC 1681b ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: TX

Complaint narrative:
Experian has failed to correct inaccurate late payments reporting on my credit report that I have been disputing for a year. Experian continues to update the accounts with no change to my report. These inaccurate accounts on my report have damaged my credit score and has resulted in my insurance rate to increase. I have disputed these accounts on the following dates XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. I requested Experian to update the late payments to paid as agreed or delete the accounts off my credit report so my true credit history is reported and they have not completed my demand. The accounts that are reporting inaccurately are XXXX, XXXX XXXX, and XXXX XXXX XXXX. I have a copy of my XXXX report which is reporting correctly as no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
XXXX does not give you the option to dispute outdated negative information on credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX XXXX {$25000.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXXXXXX {$9900.00} XXXX XXXX XXXX- {$29000.00} XXXX XXXX XXXX- {$18000.00}

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 2022-08-13 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: FL

Complaint narrative:
In accordance with the Fair Credit reporting act XXXX XXXXt # XXXX, has violated my rights. 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 XXXX XXXX .... Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. Before Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Type Auto Loan Terms 76 Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance $ 0 Monthly payment {$0.00} XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XXXX XXXX. Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. After Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Type Auto Loan Terms 76 Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance $ 0 Monthly payment {$0.00} XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XX/XX/XXXX. Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. XXXX  XXXX .... Updated The information you disputed has been updated. Please review your report for the details. XXXX  XXXX .... Updated The information you disputed has been updated. Please review your report for the details.

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 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax does not give you the option to dispute outdated negative information on credit file.

Company response to consumer: Closed with explanation